SUMMIT BANK
13F-HR, 2000-11-02
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[DESCRIPTION]           FORM 13F
                                                 UNITED STATES
                                       SECURITIES AND EXCHANGE COMMISSION
                                            Washington, D.C.  20549
                                                    FORM 13F
                                              FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended: 09/30/2000

Check here if Amendment       [ ]             Amendment Number:

This Amendment                [ ]             is a restatement
                              [ ]             adds new holding entries

Institutional Investment Manager Filing this Report:

Name:       SUMMIT BANK
Address:    210 MAIN STREET
            HACKENSACK, NJ 07601


13F File Number: 28-01123

The institutional investment Manager filing this report and the
person by whom it is signed hereby represent that the person signing
the report is authorized to submit it, that all
information contained herein is true, correct and complete, and
that it is understood that all required items, statements,
schedules, lists, and tables, are considered integral parts of
this form.

Person Signing this Report on Behalf of Reporting Manager:

Name: Hilton Jervey
Title: Senior Vice President
Phone: 201-646-5230
Signature, Place, and Date of Signing:

1    Hackensack NJ    11/01/2000

Report Type     (Check only one)
                [X]            13F HOLDINGS REPORT
                [ ]            13F NOTICE
                [ ]            13F COMBINATION REPORT


I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE
ACT OF 1934

<PAGE>

                                          FORM 13F SUMMARY PAGE

Report Summary:

Number of Other Included Managers:                0
Form 13F Information Table Entry Total:           907
Form 13F Information Table Value Total:           $ 3,191,696

List of Other Included Managers:

NONE

<TABLE>                                            <C>                         <C>
FORM 13F INFORMATION TABLE
                                   TITLE                   VALUE        SHARES/      SH/ PUT/
  NAME OF ISSUER                   OF CLASS        CUSIP    (X $1000)    PRN AMOUNT   PRN CALL
  SECURITY NAME                    SUBCLASS

  A C MOORE ARTS & CRAFTS          COMMON STOCK    00086T103         109        14000 SH
  ADC TELECOMMUNICATIONS           COMMON STOCK    000886101         403        14980 SH
  AES                              COMMON STOCK    00130H105        9624       140500 SH
  AT&T                             COMMON STOCK    001957109       12150       413601 SH
  AT&T                             COMMON STOCK    001957109         625        21269 SH
  AT&T                             COMMON STOCK    001957109        2512        85524 SH
  AXA FINL                         COMMON STOCK    002451102         381         7475 SH
  AXA FINL                         COMMON STOCK    002451102          20          400 SH
  ABBOTT LABS                      COMMON STOCK    002824100        5991       125955 SH
  ABBOTT LABS                      COMMON STOCK    002824100         157         3300 SH
  ABBOTT LABS                      COMMON STOCK    002824100        5732       120510 SH
  ACCLAIM ENMNT                    COMMON STOCK    004325205          26        15000 SH
  AETNA                            COMMON STOCK    008117103         128         2200 SH
  AETNA                            COMMON STOCK    008117103          93         1600 SH
  AGILENT TECHNOLOGIES             COMMON STOCK    00846U101        1773        36223 SH
  AGILENT TECHNOLOGIES             COMMON STOCK    00846U101          32          659 SH
  AGILENT TECHNOLOGIES             COMMON STOCK    00846U101         818        16720 SH
  AIR PRODUCTS & CHEMICALS         COMMON STOCK    009158106        1221        33920 SH
  AIR PRODUCTS & CHEMICALS         COMMON STOCK    009158106          47         1300 SH
  ALCOA                            COMMON STOCK    013817101         490        19361 SH
  ALCOA                            COMMON STOCK    013817101           0            4 SH
  ALLEGHENY ENERGY                 COMMON STOCK    017361106         185         4850 SH
  ALLEGHENY ENERGY                 COMMON STOCK    017361106          15          400 SH
  ALLERGAN                         COMMON STOCK    018490102        1166        13808 SH
  ALLIANCE CAP MGMT HLD            COMMON STOCK    01855A101        2234        44575 SH
  ALLIANCE CAP MGMT HLD            COMMON STOCK    01855A101         536        10695 SH
  ALLIANCE CAP MGMT HLD            COMMON STOCK    01855A101        2314        46170 SH
  ALLIED IRISH BANKS PLC           COMMON STOCK    019228402         144         6600 SH
  ALLIED IRISH BANKS PLC           COMMON STOCK    019228402         112         5100 SH
  ALLSTATE                         COMMON STOCK    020002101        1082        31134 SH
  ALLSTATE                         COMMON STOCK    020002101          35         1000 SH
  ALLSTATE                         COMMON STOCK    020002101         244         7033 SH
  ALLTEL                           COMMON STOCK    020039103        9443       180937 SH
  ALLTEL                           COMMON STOCK    020039103         283         5416 SH
  ALLTEL                           COMMON STOCK    020039103         473         9071 SH
  ALTERA                           COMMON STOCK    021441100         478        10000 SH
  AMCAP FD                         MUTUAL FUNDS-EQ 023375108         336        17665 SH
  AMERICA ONLINE                   COMMON STOCK    02364J104       17382       323378 SH
  AMERICA ONLINE                   COMMON STOCK    02364J104         376         7000 SH
  AMERICA ONLINE                   COMMON STOCK    02364J104        1959        36445 SH
  AMERICAN ELECTRIC POWER          COMMON STOCK    025537101         361         9215 SH
  AMERICAN ELECTRIC POWER          COMMON STOCK    025537101          88         2259 SH
  AMERICAN ELECTRIC POWER          COMMON STOCK    025537101         964        24639 SH
  AMERICAN EXPRESS                 COMMON STOCK    025816109       21978       361785 SH
  AMERICAN EXPRESS                 COMMON STOCK    025816109        4304        70846 SH
  AMERICAN GENERAL                 COMMON STOCK    026351106        3472        44519 SH
  AMERICAN GENERAL                 COMMON STOCK    026351106         194         2490 SH
  AMERICAN HOME PRODUCTS           COMMON STOCK    026609107       18209       321922 SH
  AMERICAN HOME PRODUCTS           COMMON STOCK    026609107         793        14015 SH
  AMERICAN HOME PRODUCTS           COMMON STOCK    026609107        7605       134456 SH
  AMERICAN INTL GROUP              COMMON STOCK    026874107       79643       832326 SH
  AMERICAN INTL GROUP              COMMON STOCK    026874107        2713        28355 SH
  AMERICAN INTL GROUP              COMMON STOCK    026874107       14585       152428 SH
  AMERICAN POWER CONVERSION        COMMON STOCK    029066107         668        34800 SH
  AMERICAN POWER CONVERSION        COMMON STOCK    029066107         177         9250 SH
  AMERICAN POWER CONVERSION        COMMON STOCK    029066107         307        16000 SH
  AMGEN                            COMMON STOCK    031162100        9101       130340 SH
  AMGEN                            COMMON STOCK    031162100          56          800 SH
  AMGEN                            COMMON STOCK    031162100        1017        14560 SH
  ANADARKO PETROLEUM               COMMON STOCK    032511107        2111        31762 SH
  ANADARKO PETROLEUM               COMMON STOCK    032511107          36          539 SH
  ANALOG DEVICES                   COMMON STOCK    032654105         297         3600 SH
  ANALOG DEVICES                   COMMON STOCK    032654105          41          500 SH
  ANDRX GROUP                      COMMON STOCK    034553107         654         7000 SH
  ANHEUSER BUSCH                   COMMON STOCK    035229103        1930        45606 SH
  ANHEUSER BUSCH                   COMMON STOCK    035229103          68         1600 SH
  ANHEUSER BUSCH                   COMMON STOCK    035229103        1121        26500 SH
  ANIXTER INTERNATIONAL            COMMON STOCK    035290105         437        15000 SH
  APOLLO GROUP                     COMMON STOCK    037604105         179         4500 SH
  APOLLO GROUP                     COMMON STOCK    037604105         295         7400 SH
  APPLIED MATERIALS                COMMON STOCK    038222105        2091        35260 SH
  APPLIED MATERIALS                COMMON STOCK    038222105           6          100 SH
  APPLIED MATERIALS                COMMON STOCK    038222105          30          500 SH
  AQUIS COMMUNICATIONS GROUP       COMMON STOCK    038399101          10        10000 SH
  ARIBA                            COMMON STOCK    04033V104         362         2525 SH
  DAVE'S AUTO SUPPLY               COMMON STOCK    043990217         470           96 SH
  ASSOCIATES FIRST CAPITAL CRP     COMMON STOCK    046008108         326         8577 SH
  ASSOCIATES FIRST CAPITAL CRP     COMMON STOCK    046008108          40         1046 SH
  AUDIOVOX                         COMMON STOCK    050757103         301        20000 SH
  AUTODESK                         COMMON STOCK    052769106         634        25000 SH
  AUTOMATIC DATA PROCESSING        COMMON STOCK    053015103       41316       617807 SH
  AUTOMATIC DATA PROCESSING        COMMON STOCK    053015103        1707        25523 SH
  AUTOMATIC DATA PROCESSING        COMMON STOCK    053015103        8818       131857 SH
  AVENTIS                          COMMON STOCK    053561106         264         3500 SH
  AVERY DENNISON                   COMMON STOCK    053611109         781        16850 SH
  AVERY DENNISON                   COMMON STOCK    053611109          65         1400 SH
  AVERY DENNISON                   COMMON STOCK    053611109          93         2000 SH
  AVON PRODUCTS                    COMMON STOCK    054303102         112         2742 SH
  AVON PRODUCTS                    COMMON STOCK    054303102         311         7600 SH
  BJS WHSL CLUB                    COMMON STOCK    05548J106         396        11600 SH
  BP AMOCO PLC                     COMMON STOCK    055622104       39741       749831 SH
  BP AMOCO PLC                     COMMON STOCK    055622104        1149        21684 SH
  BP AMOCO PLC                     COMMON STOCK    055622104        9036       170498 SH
  BSB BANCORP                      COMMON STOCK    055652101         609        27216 SH
  BAKER HUGHES                     COMMON STOCK    057224107          26          700 SH
  BAKER HUGHES                     COMMON STOCK    057224107         186         5000 SH
  BALLARD PWRS SYS                 COMMON STOCK    05858H104         426         3900 SH
  BANK AMER                        COMMON STOCK    060505104       13439       256586 SH
  BANK AMER                        COMMON STOCK    060505104          16          300 SH
  BANK AMER                        COMMON STOCK    060505104        2131        40682 SH
  BANK OF NY                       COMMON STOCK    064057102       43943       783813 SH
  BANK OF NY                       COMMON STOCK    064057102          17          300 SH
  BANK OF NY                       COMMON STOCK    064057102        4909        87566 SH
  BANK ONE                         COMMON STOCK    06423A103        8730       226013 SH
  BANK ONE                         COMMON STOCK    06423A103          39         1005 SH
  BANK ONE                         COMMON STOCK    06423A103         209         5417 SH
  BAXTER INTL                      COMMON STOCK    071813109        5009        62761 SH
  BAXTER INTL                      COMMON STOCK    071813109          32          400 SH
  BAXTER INTL                      COMMON STOCK    071813109         104         1300 SH
  BEAR STEARNS                     COMMON STOCK    073902108         147         2332 SH
  BEAR STEARNS                     COMMON STOCK    073902108          60          950 SH
  BECTON DICKINSON & CO            COMMON STOCK    075887109         616        23290 SH
  BECTON DICKINSON & CO            COMMON STOCK    075887109         307        11600 SH
  BED BATH & BEYOND                COMMON STOCK    075896100        9588       393100 SH
  BED BATH & BEYOND                COMMON STOCK    075896100         556        22800 SH
  BED BATH & BEYOND                COMMON STOCK    075896100         844        34600 SH
  BELLSOUTH                        COMMON STOCK    079860102       28346       704256 SH
  BELLSOUTH                        COMMON STOCK    079860102         805        19992 SH
  BELLSOUTH                        COMMON STOCK    079860102        8217       204139 SH
  BERKSHIRE                        COMMON STOCK    084670108         322            5 SH
  BERKSHIRE                        COMMON STOCK    084670207        2364         1142 SH
  BERKSHIRE                        COMMON STOCK    084670207          77           37 SH
  BERKSHIRE                        COMMON STOCK    084670207        2213         1069 SH
  BEST BUY                         COMMON STOCK    086516101        5624        88400 SH
  BESTFOODS                        COMMON STOCK    08658U101       22620       310921 SH
  BESTFOODS                        COMMON STOCK    08658U101         764        10502 SH
  BESTFOODS                        COMMON STOCK    08658U101        3146        43242 SH
  BIOCONTROL TECHNOLOGY            COMMON STOCK    090586108           6        50000 SH
  BIOMET                           COMMON STOCK    090613100         295         8430 SH
  BLACK & DECKER                   COMMON STOCK    091797100         729        21320 SH
  BOEING                           COMMON STOCK    097023105         967        15356 SH
  BOEING                           COMMON STOCK    097023105         150         2374 SH
  BOISE CASCADE                    COMMON STOCK    097383103         239         9000 SH
  BOSTON SCIENTIFIC                COMMON STOCK    101137107         143         8700 SH
  BOSTON SCIENTIFIC                COMMON STOCK    101137107          33         2000 SH
  BRISTOL MYERS SQUIBB             COMMON STOCK    110122108       29325       513354 SH
  BRISTOL MYERS SQUIBB             COMMON STOCK    110122108        1228        21490 SH
  BRISTOL MYERS SQUIBB             COMMON STOCK    110122108       12673       221855 SH
  BROADWING                        COMMON STOCK    111620100         220         8600 SH
  BROADWING                        COMMON STOCK    111620100         332        13000 SH
  BURLINGTON NORTHERN SANTA FE     COMMON STOCK    12189T104        5502       255153 SH
  BURLINGTON NORTHERN SANTA FE     COMMON STOCK    12189T104          32         1500 SH
  BURLINGTON NORTHERN SANTA FE     COMMON STOCK    12189T104         166         7700 SH
  BURLINGTON RESOURCES             COMMON STOCK    122014103         224         6076 SH
  BURLINGTON RESOURCES             COMMON STOCK    122014103          56         1525 SH
  BURLINGTON RESOURCES             COMMON STOCK    122014103          87         2372 SH
  CIGNA                            COMMON STOCK    125509109        1983        18995 SH
  CIGNA                            COMMON STOCK    125509109         209         2000 SH
  CIGNA                            COMMON STOCK    125509109         872         8350 SH
  CP & L ENERGY                    COMMON STOCK    12614C106         367         8792 SH
  CP & L ENERGY                    COMMON STOCK    12614C106          17          400 SH
  CP & L ENERGY                    COMMON STOCK    12614C106          50         1200 SH
  CSX                              COMMON STOCK    126408103        1309        60026 SH
  CSX                              COMMON STOCK    126408103          39         1800 SH
  CSX                              COMMON STOCK    126408103         123         5620 SH
  CTS                              COMMON STOCK    126501105        4982        98400 SH
  CTS                              COMMON STOCK    126501105          15          300 SH
  CVS                              COMMON STOCK    126650100         699        15095 SH
  CVS                              COMMON STOCK    126650100         167         3600 SH
  CALPINE                          COMMON STOCK    131347106         438         4200 SH
  CAMPBELL SOUP                    COMMON STOCK    134429109         188         7250 SH
  CAMPBELL SOUP                    COMMON STOCK    134429109         527        20350 SH
  CARDINAL HEALTH                  COMMON STOCK    14149Y108        1410        15994 SH
  CARNIVAL                         COMMON STOCK    143658102         486        19750 SH
  CARNIVAL                         COMMON STOCK    143658102          39         1600 SH
  CARNIVAL                         COMMON STOCK    143658102          71         2900 SH
  CATERPILLAR                      COMMON STOCK    149123101         352        10437 SH
  CATERPILLAR                      COMMON STOCK    149123101         264         7820 SH
  CENDANT                          COMMON STOCK    151313103         119        10900 SH
  CENTURYTEL                       COMMON STOCK    156700106         376        13816 SH
  CHASE MANHATTAN                  COMMON STOCK    16161A108       13989       302879 SH
  CHASE MANHATTAN                  COMMON STOCK    16161A108         289         6250 SH
  CHASE MANHATTAN                  COMMON STOCK    16161A108         379         8198 SH
  CHECKPOINT SYS                   COMMON STOCK    162825103         138        18200 SH
  CHEVRON                          COMMON STOCK    166751107        6674        78286 SH
  CHEVRON                          COMMON STOCK    166751107         379         4440 SH
  CHEVRON                          COMMON STOCK    166751107        1233        14460 SH
  CHIRON                           COMMON STOCK    170040109        1721        38250 SH
  CHIRON                           COMMON STOCK    170040109         261         5800 SH
  CHUBB                            COMMON STOCK    171232101         700         8850 SH
  CHUBB                            COMMON STOCK    171232101        1356        17132 SH
  CIRRUS LOGIC                     COMMON STOCK    172755100         282         7000 SH
  CISCO SYSTEMS                    COMMON STOCK    17275R102       52913       957701 SH
  CISCO SYSTEMS                    COMMON STOCK    17275R102        2322        42028 SH
  CISCO SYSTEMS                    COMMON STOCK    17275R102        8111       146805 SH
  CINTAS                           COMMON STOCK    172908105         343         7880 SH
  CINTAS                           COMMON STOCK    172908105         192         4410 SH
  CINTAS                           COMMON STOCK    172908105          52         1200 SH
  CITIGROUP                        COMMON STOCK    172967101       44366       820643 SH
  CITIGROUP                        COMMON STOCK    172967101        1871        34615 SH
  CITIGROUP                        COMMON STOCK    172967101        4073        75344 SH
  CLOROX                           COMMON STOCK    189054109         890        22498 SH
  COCA COLA                        COMMON STOCK    191216100       10046       182244 SH
  COCA COLA                        COMMON STOCK    191216100         413         7496 SH
  COCA COLA                        COMMON STOCK    191216100        9045       164078 SH
  COLGATE PALMOLIVE                COMMON STOCK    194162103       13234       280375 SH
  COLGATE PALMOLIVE                COMMON STOCK    194162103          71         1500 SH
  COLGATE PALMOLIVE                COMMON STOCK    194162103        1530        32425 SH
  COLUMBIA ENERGY GROUP            COMMON STOCK    197648108          32          450 SH
  COLUMBIA ENERGY GROUP            COMMON STOCK    197648108        1438        20250 SH
  COMCAST                          COMMON STOCK    200300200         917        22400 SH
  COMCAST                          COMMON STOCK    200300200          41         1000 SH
  COMDISCO INC                     COMMON STOCK    200336105         890        46700 SH
  COMERICA                         COMMON STOCK    200340107         224         3825 SH
  COMERICA                         COMMON STOCK    200340107         320         5475 SH
  COMMERCE BANCORP                 COMMON STOCK    200519106         220         3789 SH
  COMPAQ COMPUTER                  COMMON STOCK    204493100        2667        96707 SH
  COMPAQ COMPUTER                  COMMON STOCK    204493100          85         3100 SH
  COMPAQ COMPUTER                  COMMON STOCK    204493100         347        12590 SH
  COMPUTER ASSOCIATES              COMMON STOCK    204912109        1129        44831 SH
  COMPUTER ASSOCIATES              COMMON STOCK    204912109          58         2300 SH
  COMPUTER ASSOCIATES              COMMON STOCK    204912109         278        11032 SH
  CONAGRA                          COMMON STOCK    205887102          76         3800 SH
  CONAGRA                          COMMON STOCK    205887102           5          226 SH
  CONAGRA                          COMMON STOCK    205887102         542        27000 SH
  CONECTIV                         COMMON STOCK    206829103         159         8900 SH
  CONECTIV                         COMMON STOCK    206829103          35         1950 SH
  CONEXANT                         COMMON STOCK    207142100         172         4096 SH
  CONEXANT                         COMMON STOCK    207142100         106         2520 SH
  CONEXANT                         COMMON STOCK    207142100         272         6500 SH
  CONOCO                           COMMON STOCK    208251405        2000        74243 SH
  CONOCO                           COMMON STOCK    208251405          31         1137 SH
  CONOCO                           COMMON STOCK    208251405         203         7541 SH
  CONSOLIDATED EDISON              COMMON STOCK    209115104        1175        34418 SH
  CONSOLIDATED EDISON              COMMON STOCK    209115104          44         1275 SH
  CONSOLIDATED EDISON              COMMON STOCK    209115104         159         4670 SH
  CONSTELLATION ENERGY GROUP       COMMON STOCK    210371100         510        10254 SH
  CONSTELLATION ENERGY GROUP       COMMON STOCK    210371100          15          300 SH
  CONSTELLATION ENERGY GROUP       COMMON STOCK    210371100         111         2225 SH
  CONVERGYS                        COMMON STOCK    212485106         257         6600 SH
  CONVERGYS                        COMMON STOCK    212485106         505        13000 SH
  CORNING                          COMMON STOCK    219350105       14287        48105 SH
  CORNING                          COMMON STOCK    219350105         772         2600 SH
  CORNING                          COMMON STOCK    219350105        4474        15065 SH
  COX COMMUNICATIONS NEW CLASS A   COMMON STOCK    224044107         437        11436 SH
  DANAHER                          COMMON STOCK    235851102         288         5780 SH
  DANAHER                          COMMON STOCK    235851102          80         1600 SH
  DARDEN RESTAURANTS               COMMON STOCK    237194105          40         1900 SH
  DARDEN RESTAURANTS               COMMON STOCK    237194105         219        10512 SH
  DECS TR VI                       CONVERTIBLE PRE 24366Q209         900        20000 SH
  DEERE                            COMMON STOCK    244199105         106         3182 SH
  DEERE                            COMMON STOCK    244199105         605        18200 SH
  DELL COMPUTER                    COMMON STOCK    247025109       12262       397968 SH
  DELL COMPUTER                    COMMON STOCK    247025109         945        30684 SH
  DELL COMPUTER                    COMMON STOCK    247025109        1212        39321 SH
  DELPHI AUTOMOTIVE SYS            COMMON STOCK    247126105         109         7219 SH
  DELPHI AUTOMOTIVE SYS            COMMON STOCK    247126105           2          113 SH
  DELPHI AUTOMOTIVE SYS            COMMON STOCK    247126105          62         4078 SH
  DEVRY INC DEL                    COMMON STOCK    251893103         226         6000 SH
  DISNEY WALT                      COMMON STOCK    254687106       21011       549304 SH
  DISNEY WALT                      COMMON STOCK    254687106         438        11452 SH
  DISNEY WALT                      COMMON STOCK    254687106        2683        70145 SH
  DOLLAR TREE STORES               COMMON STOCK    256747106        6579       162200 SH
  DOMINION RES                     COMMON STOCK    25746U109        1643        28291 SH
  DOMINION RES                     COMMON STOCK    25746U109         121         2078 SH
  DOVER                            COMMON STOCK    260003108         620        13200 SH
  DOVER                            COMMON STOCK    260003108          94         2000 SH
  DOVER                            COMMON STOCK    260003108         165         3520 SH
  DOW CHEMICAL                     COMMON STOCK    260543103        1281        51383 SH
  DOW CHEMICAL                     COMMON STOCK    260543103          39         1575 SH
  DOW CHEMICAL                     COMMON STOCK    260543103        1547        62037 SH
  DU PONT E I DE NEMOURS           COMMON STOCK    263534109        9210       222268 SH
  DU PONT E I DE NEMOURS           COMMON STOCK    263534109         347         8367 SH
  DU PONT E I DE NEMOURS           COMMON STOCK    263534109        4427       106837 SH
  DUFF & PHELPS UTILITIES INCOME   COMMON STOCK    264324104          80         8193 SH
  DUFF & PHELPS UTILITIES INCOME   COMMON STOCK    264324104          21         2200 SH
  DUKE ENERGY                      COMMON STOCK    264399106        2684        31295 SH
  DUKE ENERGY                      COMMON STOCK    264399106         292         3400 SH
  DUKE ENERGY                      COMMON STOCK    264399106         776         9050 SH
  DUKE RLTY INVTS                  COMMON STOCK    264411505         256        10610 SH
  DUN & BRADSTREET                 COMMON STOCK    26483B106        1030        29897 SH
  DUN & BRADSTREET                 COMMON STOCK    26483B106          92         2680 SH
  DYNEGY                           COMMON STOCK    26816Q101         296         5200 SH
  EMC                              COMMON STOCK    268648102       51013       514635 SH
  EMC                              COMMON STOCK    268648102         948         9560 SH
  EMC                              COMMON STOCK    268648102        3566        35975 SH
  E'TOWN                           COMMON STOCK    269242103         283         4232 SH
  E'TOWN                           COMMON STOCK    269242103         116         1729 SH
  EARTHLINK                        COMMON STOCK    270321102          91        10000 SH
  EASTERN ENTERPRISES              COMMON STOCK    27637F100         227         3551 SH
  EASTERN ENTERPRISES              COMMON STOCK    27637F100           2           25 SH
  EASTMAN KODAK                    COMMON STOCK    277461109        1049        25661 SH
  EASTMAN KODAK                    COMMON STOCK    277461109         210         5133 SH
  EBAY                             COMMON STOCK    278642103         357         5200 SH
  EBAY                             COMMON STOCK    278642103          21          300 SH
  EDINBERG                         CONVERTIBLE PRE 280661992         750           82 SH
  800 TRAVEL SYS                   COMMON STOCK    282506104          16        10000 SH
  EL PASO ENERGY                   CONVERTIBLE PRE 283678209        2344        30000 SH
  EL PASO ENERGY DEL               COMMON STOCK    283905107        2592        42066 SH
  EL PASO ENERGY DEL               COMMON STOCK    283905107         462         7500 SH
  ELAN PLC                         COMMON STOCK    284131208       11585       211600 SH
  ELAN PLC                         COMMON STOCK    284131208          93         1700 SH
  ELAN PLC                         COMMON STOCK    284131208         252         4600 SH
  ELECTRONIC DATA SYSTEMS          COMMON STOCK    285661104       10514       253344 SH
  ELECTRONIC DATA SYSTEMS          COMMON STOCK    285661104         358         8621 SH
  ELECTRONIC DATA SYSTEMS          COMMON STOCK    285661104        1347        32447 SH
  EMERSON ELEC                     COMMON STOCK    291011104       15117       225630 SH
  EMERSON ELEC                     COMMON STOCK    291011104         107         1600 SH
  EMERSON ELEC                     COMMON STOCK    291011104        2602        38838 SH
  ENERGY EAST                      COMMON STOCK    29266M109         596        26329 SH
  ENERGY EAST                      COMMON STOCK    29266M109          90         3994 SH
  ENGELHARD                        COMMON STOCK    292845104         449        27637 SH
  ENGELHARD                        COMMON STOCK    292845104          72         4450 SH
  ENGELHARD                        COMMON STOCK    292845104         423        26000 SH
  ENRON                            COMMON STOCK    293561106       80319       916620 SH
  ENRON                            COMMON STOCK    293561106        1491        17021 SH
  ENRON                            COMMON STOCK    293561106        6271        71569 SH
  EQUITY INCOME FUND               MUTUAL FUNDS-EQ 294700703         525         3367 SH
  EQUITY INCOME FUND               MUTUAL FUNDS-EQ 294700703          99          634 SH
  EQUITY INCOME FUND               MUTUAL FUNDS-EQ 294700703         608         3900 SH
  EQUITY INNS                      COMMON STOCK    294703103          93        14000 SH
  EQUITY INV FD                    COMMON STOCK    294711734          32        36418 SH
  EQUITY INV FD                    COMMON STOCK    29471Q101          13        14548 SH
  ERICSSON                         COMMON STOCK    294821400        2401       162110 SH
  ERICSSON                         COMMON STOCK    294821400         187        12600 SH
  ERICSSON                         COMMON STOCK    294821400         493        33300 SH
  ETOYS                            COMMON STOCK    297862104         107        20000 SH
  EXODUS COMMUNICATIONS            COMMON STOCK    302088109         387         7846 SH
  EXODUS COMMUNICATIONS            COMMON STOCK    302088109          20          400 SH
  EXXON MOBIL                      COMMON STOCK    30231G102       84737       950765 SH
  EXXON MOBIL                      COMMON STOCK    30231G102        2910        32646 SH
  EXXON MOBIL                      COMMON STOCK    30231G102       34586       388065 SH
  FPL                              COMMON STOCK    302571104        8794       133748 SH
  FPL                              COMMON STOCK    302571104         299         4550 SH
  FANNIE MAE                       COMMON STOCK    313586109        9463       132345 SH
  FANNIE MAE                       COMMON STOCK    313586109          36          500 SH
  FANNIE MAE                       COMMON STOCK    313586109        1285        17977 SH
  FEDERATED INDEX TR               MUTUAL FUNDS-EQ 31420E106         167         5722 SH
  FEDERATED INDEX TR               MUTUAL FUNDS-EQ 31420E106         102         3476 SH
  FEDEX                            COMMON STOCK    31428X106         386         8700 SH
  FEDEX                            COMMON STOCK    31428X106          27          600 SH
  FIDELITY                         MUTUAL FUNDS-MU 316089200          69         6219 SH
  FIDELITY                         MUTUAL FUNDS-MU 316089200         247        22354 SH
  FIRST AUSTRALIA PRIME            COMMON STOCK    318653102          59        14000 SH
  FIRST DATA                       COMMON STOCK    319963104         211         5412 SH
  FIRST DATA                       COMMON STOCK    319963104          39         1000 SH
  FIRST SEC DEL                    COMMON STOCK    336294103         360        22050 SH
  FIRST UNION                      COMMON STOCK    337358105        6380       198203 SH
  FIRST UNION                      COMMON STOCK    337358105         298         9248 SH
  FIRST UNION                      COMMON STOCK    337358105        2337        72602 SH
  FIRST UNION                      CORPORATE BONDS 337358BL8         272       300000 PRN
  FIRST VIRGINIA BANKS             COMMON STOCK    337477103         153         3600 SH
  FIRST VIRGINIA BANKS             COMMON STOCK    337477103          48         1125 SH
  FISERV                           COMMON STOCK    337738108         240         4000 SH
  FLEETBOSTON FINANCIAL            COMMON STOCK    339030108        1209        30998 SH
  FLEETBOSTON FINANCIAL            COMMON STOCK    339030108         843        21625 SH
  FLEMINGTON FUR                   COMMON STOCK    339230997         874        71914 SH
  FLORIDA                          COMMON STOCK    341109106         581        10980 SH
  FLORIDA                          COMMON STOCK    341109106           8          150 SH
  FLORIDA                          COMMON STOCK    341109106         214         4050 SH
  FLUOR                            COMMON STOCK    343861100         210         7000 SH
  FORD MOTOR DEL                   COMMON STOCK    345370860        2385        94218 SH
  FORD MOTOR DEL                   COMMON STOCK    345370860          44         1748 SH
  FORD MOTOR DEL                   COMMON STOCK    345370860         180         7126 SH
  FORTUNE BRANDS                   COMMON STOCK    349631101         391        14750 SH
  FORTUNE BRANDS                   COMMON STOCK    349631101         184         6948 SH
  FOUNDRY NETWORKS                 COMMON STOCK    35063R100         318         4750 SH
  FRANKLIN INTERNATIONAL           PREFERRED STOCK 353990203         432         4316 SH
  FRANKLIN RESOURCES               COMMON STOCK    354613101         286         6440 SH
  FRANKLIN RESOURCES               COMMON STOCK    354613101          15          337 SH
  FRANKLIN RESOURCES               COMMON STOCK    354613101         338         7600 SH
  FULTON FINL PA                   COMMON STOCK    360271100         725        36618 SH
  GPU                              COMMON STOCK    36225X100         548        16895 SH
  GPU                              COMMON STOCK    36225X100          40         1238 SH
  GPU                              COMMON STOCK    36225X100         948        29238 SH
  GALLAHER GROUP                   COMMON STOCK    363595109         224         9650 SH
  GALLAHER GROUP                   COMMON STOCK    363595109          90         3878 SH
  GANNETT                          COMMON STOCK    364730101       10364       195556 SH
  GANNETT                          COMMON STOCK    364730101          85         1600 SH
  GANNETT                          COMMON STOCK    364730101         959        18100 SH
  GAP STORES                       COMMON STOCK    364760108         344        17109 SH
  GAP STORES                       COMMON STOCK    364760108          20         1012 SH
  GENERAL ELECTRIC                 COMMON STOCK    369604103      186731      3236939 SH
  GENERAL ELECTRIC                 COMMON STOCK    369604103        6380       110601 SH
  GENERAL ELECTRIC                 COMMON STOCK    369604103       72829      1262477 SH
  GENERAL MILLS                    COMMON STOCK    370334104         561        15800 SH
  GENERAL MILLS                    COMMON STOCK    370334104          98         2768 SH
  GENERAL MILLS                    COMMON STOCK    370334104        1348        37968 SH
  GENERAL MOTORS                   COMMON STOCK    370442105        1242        19102 SH
  GENERAL MOTORS                   COMMON STOCK    370442105          11          162 SH
  GENERAL MOTORS                   COMMON STOCK    370442105         403         6198 SH
  GENZYME                          COMMON STOCK    372917104         150         2200 SH
  GENZYME                          COMMON STOCK    372917104         136         2000 SH
  GENZYME                          COMMON STOCK    372917104         191         2800 SH
  GEORGIA PACIFIC                  COMMON STOCK    373298108         209         8880 SH
  GEORGIA PACIFIC                  COMMON STOCK    373298108         155         6600 SH
  GILLETTE                         COMMON STOCK    375766102        4011       129912 SH
  GILLETTE                         COMMON STOCK    375766102         258         8361 SH
  GILLETTE                         COMMON STOCK    375766102         749        24262 SH
  GLAXO                            COMMON STOCK    37733W105       10245       169520 SH
  GLAXO                            COMMON STOCK    37733W105         656        10850 SH
  GLIMCHER REALTY TRUST            COMMON STOCK    379302102         264        17700 SH
  GOVERNMENT SECURITIES INCOME FD  MUTUAL FUNDS-FI 383743598           2        88334 SH
  GUIDANT                          COMMON STOCK    401698105         187         2643 SH
  GUIDANT                          COMMON STOCK    401698105         232         3276 SH
  HALLIBURTON                      COMMON STOCK    406216101         980        20026 SH
  HALLIBURTON                      COMMON STOCK    406216101         264         5400 SH
  HARLEY DAVIDSON                  COMMON STOCK    412822108        9414       196635 SH
  HARLEY DAVIDSON                  COMMON STOCK    412822108           3           60 SH
  HARLEY DAVIDSON                  COMMON STOCK    412822108         318         6650 SH
  HARTFORD FINANCIAL SERVICES      COMMON STOCK    416515104        1431        19620 SH
  HARTFORD FINANCIAL SERVICES      COMMON STOCK    416515104         110         1508 SH
  HARTFORD FINANCIAL SERVICES      COMMON STOCK    416515104         489         6700 SH
  THE HARVILL PRESS LIMITED        COMMON STOCK    417999AA7         254        29447 SH
  HEINEKEN NV ADR                  COMMON STOCK    423012202         361         6500 SH
  HEINZ H J                        COMMON STOCK    423074103         823        22210 SH
  HEINZ H J                        COMMON STOCK    423074103          44         1200 SH
  HEINZ H J                        COMMON STOCK    423074103         677        18265 SH
  HELIX TECHNOLOGY                 COMMON STOCK    423319102         448        15000 SH
  HERCULES                         COMMON STOCK    427056106         160        11328 SH
  HERCULES                         COMMON STOCK    427056106          27         1900 SH
  HERSHEY FOODS                    COMMON STOCK    427866108         546        10095 SH
  HERSHEY FOODS                    COMMON STOCK    427866108          32          600 SH
  HERSHEY FOODS                    COMMON STOCK    427866108         217         4000 SH
  HEWLETT PACKARD                  COMMON STOCK    428236103       25799       265973 SH
  HEWLETT PACKARD                  COMMON STOCK    428236103         226         2335 SH
  HEWLETT PACKARD                  COMMON STOCK    428236103        4960        51133 SH
  HOME DEPOT                       COMMON STOCK    437076102       29281       551812 SH
  HOME DEPOT                       COMMON STOCK    437076102        2024        38139 SH
  HOME DEPOT                       COMMON STOCK    437076102        5075        95634 SH
  HONEYWELL INTERNATIONAL          COMMON STOCK    438516106        4340       121820 SH
  HONEYWELL INTERNATIONAL          COMMON STOCK    438516106          61         1700 SH
  HONEYWELL INTERNATIONAL          COMMON STOCK    438516106         332         9333 SH
  HOOPER HOLMES                    COMMON STOCK    439104100         285        30000 SH
  HOST MARRIOTT (REIT)             COMMON STOCK    44107P104          63         5600 SH
  HOST MARRIOTT (REIT)             COMMON STOCK    44107P104         154        13709 SH
  HOUSEHOLD INTERNATIONAL          COMMON STOCK    441815107        4832        85342 SH
  HOUSEHOLD INTERNATIONAL          COMMON STOCK    441815107         316         5573 SH
  IMS HEALTH                       COMMON STOCK    449934108        1141        55000 SH
  IMS HEALTH                       COMMON STOCK    449934108          50         2400 SH
  IMS HEALTH                       COMMON STOCK    449934108         120         5760 SH
  ILLINOIS TOOL WORKS              COMMON STOCK    452308109        1078        19287 SH
  ILLINOIS TOOL WORKS              COMMON STOCK    452308109          17          297 SH
  ILLINOIS TOOL WORKS              COMMON STOCK    452308109        2116        37863 SH
  IMPERIAL OIL                     COMMON STOCK    453038408         250         9600 SH
  IMPERIAL OIL                     COMMON STOCK    453038408         133         5100 SH
  INFORMIX                         COMMON STOCK    456779107          45        11000 SH
  INGERSOLL RAND                   COMMON STOCK    456866102        2303        67993 SH
  INGERSOLL RAND                   COMMON STOCK    456866102          71         2100 SH
  INTEL                            COMMON STOCK    458140100       58342      1403717 SH
  INTEL                            COMMON STOCK    458140100        1236        29738 SH
  INTEL                            COMMON STOCK    458140100       10701       257460 SH
  INTL BUSINESS MACHINES           COMMON STOCK    459200101       65598       583094 SH
  INTL BUSINESS MACHINES           COMMON STOCK    459200101        1286        11434 SH
  INTL BUSINESS MACHINES           COMMON STOCK    459200101       10036        89213 SH
  INTERNATIONAL PAPER              COMMON STOCK    460146103         168         5843 SH
  INTERNATIONAL PAPER              COMMON STOCK    460146103          99         3442 SH
  INTERPUBLIC GROUP                COMMON STOCK    460690100         204         6000 SH
  JDS UNIPHASE                     COMMON STOCK    46612J101        8631        91149 SH
  JDS UNIPHASE                     COMMON STOCK    46612J101         275         2900 SH
  JANUS                            MUTUAL FUNDS-EQ 471023101         597        13055 SH
  JOHNSON & JOHNSON                COMMON STOCK    478160104       52829       562387 SH
  JOHNSON & JOHNSON                COMMON STOCK    478160104        1756        18689 SH
  JOHNSON & JOHNSON                COMMON STOCK    478160104       13066       139089 SH
  JUNIPER NETWORKS                 COMMON STOCK    48203R104         690         3150 SH
  KELLOGG                          COMMON STOCK    487836108          63         2600 SH
  KELLOGG                          COMMON STOCK    487836108        3096       128000 SH
  KEMPER MUN BD FD SH BEN INT      MUTUAL FUNDS-MU 488419201         186        19284 SH
  KEMPER GOVT SECS TR              MUTUAL FUNDS-FI 488903261           0        10000 SH
  KERR MC GEE                      COMMON STOCK    492386107          57          867 SH
  KERR MC GEE                      COMMON STOCK    492386107          19          285 SH
  KERR MC GEE                      COMMON STOCK    492386107         132         1988 SH
  KEYCORP                          COMMON STOCK    493267108         127         5000 SH
  KEYCORP                          COMMON STOCK    493267108          79         3120 SH
  KEYSPAN                          COMMON STOCK    49337W100         319         7948 SH
  KEYSPAN                          COMMON STOCK    49337W100          54         1348 SH
  KEYSPAN                          COMMON STOCK    49337W100          45         1128 SH
  KIMBERLY CLARK                   COMMON STOCK    494368103       12632       226336 SH
  KIMBERLY CLARK                   COMMON STOCK    494368103         171         3056 SH
  KIMBERLY CLARK                   COMMON STOCK    494368103         680        12180 SH
  KIMCO REALTY                     COMMON STOCK    49446R109         308         7300 SH
  KINDER MORGAN ENERGY PARTNERS    COMMON STOCK    494550106         145         3056 SH
  KINDER MORGAN ENERGY PARTNERS    COMMON STOCK    494550106         213         4500 SH
  KOHL'S                           COMMON STOCK    500255104        7690       133300 SH
  KOHL'S                           COMMON STOCK    500255104          16          280 SH
  KONINKLIJKE PHILLIPS ELECTRONICS COMMON STOCK    500472303        1977        46518 SH
  KONINKLIJKE PHILLIPS ELECTRONICS COMMON STOCK    500472303         152         3568 SH
  KROGER                           COMMON STOCK    501044101         808        35825 SH
  KROGER                           COMMON STOCK    501044101         113         5000 SH
  ESTEE LAUDER AUTO EXCH SEC TR II CONVERTIBLE PRE 518438205        1207        17000 SH
  LEHMAN BROS                      COMMON STOCK    524908100         401         2714 SH
  LEHMAN BROS                      COMMON STOCK    524908100         676         4574 SH
  LEVITZ FURNITURE                 COMMON STOCK    527482103           3        20000 SH
  LIBERTY PPTY TR                  COMMON STOCK    531172104         190         6900 SH
  LIBERTY PPTY TR                  COMMON STOCK    531172104          14          500 SH
  LIBERTY PPTY TR                  COMMON STOCK    531172104         265         9625 SH
  LIGHTPATH TECHNOLOGIES           COMMON STOCK    532257102         285         6000 SH
  LIGHTPATH TECHNOLOGIES           COMMON STOCK    532257102         166         3500 SH
  LIGHTPATH TECHNOLOGIES           COMMON STOCK    532257102          90         1900 SH
  LILLY ELI                        COMMON STOCK    532457108        1249        15397 SH
  LILLY ELI                        COMMON STOCK    532457108         779         9599 SH
  LIMITED                          COMMON STOCK    532716107        2295       104000 SH
  LIMITED                          COMMON STOCK    532716107         131         5945 SH
  LINCOLN NATL                     COMMON STOCK    534187109        3405        70750 SH
  LINEAR TECHNOLOGY                COMMON STOCK    535678106         343         5300 SH
  LOCKHEED MARTIN                  COMMON STOCK    539830109         215         6538 SH
  LUCENT TECHNOLOGIES              COMMON STOCK    549463107       26859       878838 SH
  LUCENT TECHNOLOGIES              COMMON STOCK    549463107         968        31676 SH
  LUCENT TECHNOLOGIES              COMMON STOCK    549463107        4438       145206 SH
  LYCOS INC                        COMMON STOCK    550818108         241         3500 SH
  LYCOS INC                        COMMON STOCK    550818108          28          400 SH
  MBIA                             COMMON STOCK    55262C100         167         2350 SH
  MBIA                             COMMON STOCK    55262C100         100         1400 SH
  MBIA                             COMMON STOCK    55262C100          28          400 SH
  MBNA                             COMMON STOCK    55262L100        1469        38158 SH
  MBNA                             COMMON STOCK    55262L100         567        14722 SH
  MBNA                             COMMON STOCK    55262L100         615        15973 SH
  MCI CAPITAL I                    PREFERRED STOCK 55267Y206         176         7450 SH
  MCI CAPITAL I                    PREFERRED STOCK 55267Y206          12          500 SH
  MCI CAPITAL I                    PREFERRED STOCK 55267Y206          87         3700 SH
  MGI PHARMA                       COMMON STOCK    552880106         300        10000 SH
  MARSH & MCLENNAN                 COMMON STOCK    571748102        6568        49475 SH
  MARSH & MCLENNAN                 COMMON STOCK    571748102         119          900 SH
  MARSHALL & ILSELY                COMMON STOCK    571834100         201         4000 SH
  MARRIOTT INTERNATIONAL           COMMON STOCK    571903202         124         3400 SH
  MARRIOTT INTERNATIONAL           COMMON STOCK    571903202         557        15300 SH
  MASCO                            COMMON STOCK    574599106         494        26545 SH
  MASCO                            COMMON STOCK    574599106         212        11400 SH
  MATTEL                           COMMON STOCK    577081102        1689       150976 SH
  MATTEL                           COMMON STOCK    577081102          10          850 SH
  MAXIM INTEGRATED PRODS           COMMON STOCK    57772K101         201         2500 SH
  MAXYGEN                          COMMON STOCK    577776107         363         7000 SH
  MAXYGEN                          COMMON STOCK    577776107        1729        33334 SH
  MAY DEPT STORES                  COMMON STOCK    577778103         528        25753 SH
  MAY DEPT STORES                  COMMON STOCK    577778103         796        38826 SH
  MCDONALDS                        COMMON STOCK    580135101        2064        68389 SH
  MCDONALDS                        COMMON STOCK    580135101         479        15860 SH
  MCGRAW HILL                      COMMON STOCK    580645109        3832        60280 SH
  MCGRAW HILL                      COMMON STOCK    580645109         947        14900 SH
  MEDAREX                          COMMON STOCK    583916101         587         5000 SH
  MEDIMMUNE                        COMMON STOCK    584699102         464         6000 SH
  MEDTRONIC                        COMMON STOCK    585055106         927        17884 SH
  MEDTRONIC                        COMMON STOCK    585055106          52         1000 SH
  MEDTRONIC                        COMMON STOCK    585055106         228         4400 SH
  MELLON FINANCIAL                 COMMON STOCK    58551A108       12638       272517 SH
  MELLON FINANCIAL                 COMMON STOCK    58551A108         263         5675 SH
  MELLON FINANCIAL                 COMMON STOCK    58551A108        2407        51900 SH
  MERCK                            COMMON STOCK    589331107       78640      1056455 SH
  MERCK                            COMMON STOCK    589331107        2595        34866 SH
  MERCK                            COMMON STOCK    589331107       37452       503138 SH
  MERRILL LYNCH                    COMMON STOCK    590188108        1642        24880 SH
  MERRILL LYNCH                    COMMON STOCK    590188108         218         3300 SH
  MICHIGAN ST HIGHER ED STUDENT    MUNICIPAL OBLIG 594520EY0         908       900000 PRN
  MICROSOFT                        COMMON STOCK    594918104       42038       697004 SH
  MICROSOFT                        COMMON STOCK    594918104        1295        21475 SH
  MICROSOFT                        COMMON STOCK    594918104        8961       148572 SH
  MICRON TECHNOLOGY                COMMON STOCK    595112103         262         5700 SH
  MINNESOTA MNG & MFG              COMMON STOCK    604059105       12522       137421 SH
  MINNESOTA MNG & MFG              COMMON STOCK    604059105         210         2300 SH
  MINNESOTA MNG & MFG              COMMON STOCK    604059105        1899        20840 SH
  MOLEX                            COMMON STOCK    608554200         178         4289 SH
  MOLEX                            COMMON STOCK    608554200          88         2133 SH
  MOLEX                            COMMON STOCK    608554200          48         1152 SH
  MONY GROUP                       COMMON STOCK    615337102         284         7112 SH
  MORGAN J P                       COMMON STOCK    616880100       19988       122342 SH
  MORGAN J P                       COMMON STOCK    616880100         221         1350 SH
  MORGAN J P                       COMMON STOCK    616880100        3162        19355 SH
  MORGAN STANLEY                   COMMON STOCK    617446448       30167       329924 SH
  MORGAN STANLEY                   COMMON STOCK    617446448        1202        13146 SH
  MORGAN STANLEY                   COMMON STOCK    617446448        2107        23038 SH
  MOTOROLA                         COMMON STOCK    620076109       15186       537552 SH
  MOTOROLA                         COMMON STOCK    620076109         220         7800 SH
  MOTOROLA                         COMMON STOCK    620076109        1634        57850 SH
  MUNIYIELD NJ FUND                MUTUAL FUNDS-MU 62630L101          67         5125 SH
  MUNIYIELD NJ FUND                MUTUAL FUNDS-MU 62630L101          15         1126 SH
  MUNIYIELD NJ FUND                MUTUAL FUNDS-MU 62630L101          67         5150 SH
  MURPHY OIL                       COMMON STOCK    626717102         294         4529 SH
  NCR                              COMMON STOCK    62886E108         597        15787 SH
  NCR                              COMMON STOCK    62886E108           4           93 SH
  NCR                              COMMON STOCK    62886E108          30          799 SH
  NASDAQ- 100 SHARES               COMMON STOCK    631100104        1821        20530 SH
  NASDAQ- 100 SHARES               COMMON STOCK    631100104          35          400 SH
  NASDAQ- 100 SHARES               COMMON STOCK    631100104          72          810 SH
  NATIONAL FUEL GAS                COMMON STOCK    636180101         342         6100 SH
  NATIONAL FUEL GAS                COMMON STOCK    636180101         279         4980 SH
  NETWORK ASSOCIATES               COMMON STOCK    640938106         243        10750 SH
  NETWORK ASSOCIATES               COMMON STOCK    640938106           7          300 SH
  NESTLE S A                       COMMON STOCK    641069406        1724        16550 SH
  NESTLE S A                       COMMON STOCK    641069406         104         1000 SH
  NETWORK APPLIANCE                COMMON STOCK    64120L104       16011       125700 SH
  NETWORK APPLIANCE                COMMON STOCK    64120L104           6           50 SH
  NEW JERSEY RESOURCES             COMMON STOCK    646025106         264         6497 SH
  NEW JERSEY RESOURCES             COMMON STOCK    646025106          20          500 SH
  NEW SKY COMMUNICATIONS           COMMON STOCK    648726107           5       185000 SH
  NEW YORK REGL RAIL               COMMON STOCK    649768108           7        34000 SH
  NEWELL FINL TR I                 CONVERTIBLE PRE 651195307        1278        35000 SH
  NOKIA                            COMMON STOCK    654902204       32817       824299 SH
  NOKIA                            COMMON STOCK    654902204         870        21862 SH
  NOKIA                            COMMON STOCK    654902204        3573        89755 SH
  NORFOLK SOUTHERN                 COMMON STOCK    655844108        3033       207390 SH
  NORFOLK SOUTHERN                 COMMON STOCK    655844108         139         9480 SH
  NORTEL NETWORKS NEW              COMMON STOCK    656568102        7338       123191 SH
  NORTEL NETWORKS NEW              COMMON STOCK    656568102          12          200 SH
  NORTEL NETWORKS NEW              COMMON STOCK    656568102         146         2450 SH
  NORTH AMERICAN TRAINING          COMMON STOCK    657999991           0        39217 SH
  NORTHERN TRUST                   COMMON STOCK    665859104       31352       352770 SH
  NORTHERN TRUST                   COMMON STOCK    665859104         869         9774 SH
  NORTHERN TRUST                   COMMON STOCK    665859104        2712        30519 SH
  OMNICOM GROUP                    COMMON STOCK    681919106         336         4600 SH
  OMNICOM GROUP                    COMMON STOCK    681919106           7          100 SH
  OMNICOM GROUP                    COMMON STOCK    681919106         164         2250 SH
  ORACLE                           COMMON STOCK    68389X105        5240        66534 SH
  ORACLE                           COMMON STOCK    68389X105          39          500 SH
  ORACLE                           COMMON STOCK    68389X105         753         9565 SH
  PECO ENERGY                      COMMON STOCK    693304107         647        10684 SH
  PECO ENERGY                      COMMON STOCK    693304107          18          300 SH
  PE                               COMMON STOCK    69332S102         120         1030 SH
  PE                               COMMON STOCK    69332S102         140         1200 SH
  PNC FINANCIAL SERVICES GROUP     COMMON STOCK    693475105        1323        20361 SH
  PNC FINANCIAL SERVICES GROUP     COMMON STOCK    693475105          75         1149 SH
  PNC FINANCIAL SERVICES GROUP     COMMON STOCK    693475105         264         4059 SH
  PPG                              COMMON STOCK    693506107        2375        59847 SH
  PPG                              COMMON STOCK    693506107          18          450 SH
  PPG                              COMMON STOCK    693506107         317         7986 SH
  PPL                              COMMON STOCK    69351T106        2410        57733 SH
  PPL                              COMMON STOCK    69351T106         584        13986 SH
  PALM                             COMMON STOCK    696642107       12716       240206 SH
  PALM                             COMMON STOCK    696642107          16          296 SH
  PALM                             COMMON STOCK    696642107         591        11158 SH
  PARDEE RESOURCES                 COMMON STOCK    699437109         489        11400 SH
  PARKER HANNIFIN                  COMMON STOCK    701094104         456        13499 SH
  PAYCHEX                          COMMON STOCK    704326107        1062        20220 SH
  PAYCHEX                          COMMON STOCK    704326107        1673        31863 SH
  PAYCHEX                          COMMON STOCK    704326107         617        11748 SH
  PEAPACK GLADSTONE FINANCIAL      COMMON STOCK    704699107          58         1435 SH
  PEAPACK GLADSTONE FINANCIAL      COMMON STOCK    704699107         699        17251 SH
  PENNEY J C                       COMMON STOCK    708160106         435        36800 SH
  PENNZOIL-QUAKER ST               COMMON STOCK    709323109          11         1011 SH
  PENNZOIL-QUAKER ST               COMMON STOCK    709323109         141        13456 SH
  PEPSICO                          COMMON STOCK    713448108       20389       443247 SH
  PEPSICO                          COMMON STOCK    713448108         253         5500 SH
  PEPSICO                          COMMON STOCK    713448108        6329       137586 SH
  PERKINELMER                      COMMON STOCK    714046109         418         4000 SH
  PFIZER                           COMMON STOCK    717081103       79081      1759797 SH
  PFIZER                           COMMON STOCK    717081103        2899        64517 SH
  PFIZER                           COMMON STOCK    717081103       27867       620127 SH
  PHARMACIA                        COMMON STOCK    71713U102       17526       291191 SH
  PHARMACIA                        COMMON STOCK    71713U102         691        11484 SH
  PHARMACIA                        COMMON STOCK    71713U102        1517        25210 SH
  PHILIP MORRIS                    COMMON STOCK    718154107        2409        81831 SH
  PHILIP MORRIS                    COMMON STOCK    718154107         285         9670 SH
  PHILIP MORRIS                    COMMON STOCK    718154107        2997       101806 SH
  PHILLIPS PETE                    COMMON STOCK    718507106         252         4020 SH
  PHILLIPS PETE                    COMMON STOCK    718507106          81         1285 SH
  PITNEY BOWES                     COMMON STOCK    724479100        3684        93425 SH
  PITNEY BOWES                     COMMON STOCK    724479100         245         6200 SH
  PRAXAIR                          COMMON STOCK    74005P104         531        14209 SH
  PRAXAIR                          COMMON STOCK    74005P104          46         1226 SH
  PREFORMED LINE PRODUCTS          COMMON STOCK    740444104         594        36000 SH
  PREMIER BANCORP                  COMMON STOCK    74046J109         120        12978 SH
  PROCTER & GAMBLE                 COMMON STOCK    742718109       14893       222289 SH
  PROCTER & GAMBLE                 COMMON STOCK    742718109         575         8582 SH
  PROCTER & GAMBLE                 COMMON STOCK    742718109        6065        90522 SH
  PROGRESSIVE                      COMMON STOCK    743315103         177         2160 SH
  PROGRESSIVE                      COMMON STOCK    743315103          39          480 SH
  PROVIDIAN FINANCIAL              COMMON STOCK    74406A102          13          100 SH
  PROVIDIAN FINANCIAL              COMMON STOCK    74406A102         482         3798 SH
  PUBLIC SERVICE ENTERPRISE        COMMON STOCK    744573106        2967        66405 SH
  PUBLIC SERVICE ENTERPRISE        COMMON STOCK    744573106         156         3500 SH
  PUBLIC SERVICE ENTERPRISE        COMMON STOCK    744573106        2178        48733 SH
  QUAKER OATS                      COMMON STOCK    747402105         221         2790 SH
  QUAKER OATS                      COMMON STOCK    747402105         149         1878 SH
  QUAKER OATS                      COMMON STOCK    747402105          87         1100 SH
  QUALCOMM                         COMMON STOCK    747525103        1511        21210 SH
  QUALCOMM                         COMMON STOCK    747525103          14          200 SH
  QUALCOMM                         COMMON STOCK    747525103         121         1700 SH
  QUESTAR                          COMMON STOCK    748356102         757        27200 SH
  QWEST COMMUNICATIONS INTL        COMMON STOCK    749121109        3172        65987 SH
  QWEST COMMUNICATIONS INTL        COMMON STOCK    749121109         190         3943 SH
  QWEST COMMUNICATIONS INTL        COMMON STOCK    749121109        2263        47091 SH
  RALSTON PURINA GROUP             COMMON STOCK    751277302          54         2295 SH
  RALSTON PURINA GROUP             COMMON STOCK    751277302         173         7305 SH
  RATIONAL SOFTWARE CORP           COMMON STOCK    75409P202         201         2900 SH
  RAYTHEON                         COMMON STOCK    755111408         289        10155 SH
  RAYTHEON                         COMMON STOCK    755111408          23          800 SH
  RAYTHEON                         COMMON STOCK    755111408         284        10000 SH
  READERS DIGEST FIN TR            CONVERTIBLE PRE 755271202        1426        46000 SH
  READERS DIGEST FIN TR            CONVERTIBLE PRE 755271202          31         1000 SH
  REDBACK NETWORKS                 COMMON STOCK    757209101         344         2100 SH
  RELIANT ENERGY                   COMMON STOCK    75952J108          79         1700 SH
  RELIANT ENERGY                   COMMON STOCK    75952J108          47         1000 SH
  RELIANT ENERGY                   COMMON STOCK    75952J108         209         4500 SH
  RICHMOND CNTY FINL               COMMON STOCK    764556106         217         8965 SH
  RITE AID                         COMMON STOCK    767754104          46        11500 SH
  RITE AID                         COMMON STOCK    767754104           8         2000 SH
  ROBERT HALF INTL                 COMMON STOCK    770323103         315         9080 SH
  ROCKWELL INTL                    COMMON STOCK    773903109         153         5052 SH
  ROCKWELL INTL                    COMMON STOCK    773903109          36         1200 SH
  ROCKWELL INTL                    COMMON STOCK    773903109         133         4400 SH
  ROYAL DUTCH PETE                 COMMON STOCK    780257804       16528       275751 SH
  ROYAL DUTCH PETE                 COMMON STOCK    780257804         193         3220 SH
  ROYAL DUTCH PETE                 COMMON STOCK    780257804        3655        60975 SH
  SBC COMMUNICATIONS               COMMON STOCK    78387G103       28525       570507 SH
  SBC COMMUNICATIONS               COMMON STOCK    78387G103         866        17319 SH
  SBC COMMUNICATIONS               COMMON STOCK    78387G103        8957       179134 SH
  SDL                              COMMON STOCK    784076101         402         1300 SH
  SEI                              COMMON STOCK    784117103         425         6000 SH
  S&P 500 DEPOSITARY RECEIPT       COMMON STOCK    78462F103        8923        62125 SH
  SAFEWAY                          COMMON STOCK    786514208         286         6120 SH
  SAFEWAY                          COMMON STOCK    786514208          21          450 SH
  ST PAUL                          COMMON STOCK    792860108         507        10288 SH
  ST PAUL                          COMMON STOCK    792860108          30          600 SH
  SANMINA                          COMMON STOCK    800907107        8993        96050 SH
  SARA LEE                         COMMON STOCK    803111103        6665       328113 SH
  SARA LEE                         COMMON STOCK    803111103         368        18100 SH
  SASSOON INTL                     COMMON STOCK    803869106           0        12500 SH
  SCHERING PLOUGH                  COMMON STOCK    806605101       25845       555802 SH
  SCHERING PLOUGH                  COMMON STOCK    806605101        1230        26458 SH
  SCHERING PLOUGH                  COMMON STOCK    806605101        5152       110798 SH
  SCHLUMBERGER                     COMMON STOCK    806857108       13145       159691 SH
  SCHLUMBERGER                     COMMON STOCK    806857108          41          500 SH
  SCHLUMBERGER                     COMMON STOCK    806857108        1175        14276 SH
  SCHWAB CHARLES                   COMMON STOCK    808513105         360        10150 SH
  SCHWAB CHARLES                   COMMON STOCK    808513105         115         3230 SH
  SCIENTIFIC ATLANTA               COMMON STOCK    808655104         318         5000 SH
  SEAGRAMS                         COMMON STOCK    811850106          11          200 SH
  SEAGRAMS                         COMMON STOCK    811850106         419         7300 SH
  SEAGRAMS                         CONVERTIBLE PRE 811850205        1303        25000 SH
  SEARS                            COMMON STOCK    812387108         386        11913 SH
  SEARS                            COMMON STOCK    812387108         240         7389 SH
  SELECTIVE INSURANCE              COMMON STOCK    816300107         289        16171 SH
  SELECTIVE INSURANCE              COMMON STOCK    816300107         101         5670 SH
  SEMICONDUCTOR LASER INTL         COMMON STOCK    816638100           4        10000 SH
  SERVICE                          COMMON STOCK    817587108           2        19000 SH
  SHELL                            COMMON STOCK    822703609         225         4600 SH
  SHELL                            COMMON STOCK    822703609         176         3600 SH
  SHELL                            COMMON STOCK    822703609          12          248 SH
  SHERWIN-WILLIAMS                 COMMON STOCK    824348106          64         3000 SH
  SHERWIN-WILLIAMS                 COMMON STOCK    824348106         205         9600 SH
  SIEBEL SYS                       COMMON STOCK    826170102        6798        61074 SH
  SIMON PROPERTY GROUP             COMMON STOCK    828806109         201         8570 SH
  SMITH INTERNATIONAL              COMMON STOCK    832110100         204         2500 SH
  SMITHKLINE BEECHAM               COMMON STOCK    832378301       18791       273825 SH
  SMITHKLINE BEECHAM               COMMON STOCK    832378301         188         2740 SH
  SMITHKLINE BEECHAM               COMMON STOCK    832378301        1412        20575 SH
  SOLECTRON                        COMMON STOCK    834182107        1207        26175 SH
  SOLECTRON                        COMMON STOCK    834182107          69         1500 SH
  SOLECTRON                        COMMON STOCK    834182107         101         2200 SH
  SOUTHERN                         COMMON STOCK    842587107        1319        40649 SH
  SOUTHERN                         COMMON STOCK    842587107          23          700 SH
  SOUTHERN                         COMMON STOCK    842587107         361        11116 SH
  SOUTHWEST AIRLINES               COMMON STOCK    844741108         207         8517 SH
  SOVEREIGN BANCORP                COMMON STOCK    845905108         116        12494 SH
  SOVEREIGN BANCORP                COMMON STOCK    845905108          39         4200 SH
  SOVEREIGN BANCORP                COMMON STOCK    845905108          34         3652 SH
  SPRINT                           COMMON STOCK    852061100        1595        54424 SH
  SPRINT                           COMMON STOCK    852061100         159         5427 SH
  SPRINT                           COMMON STOCK    852061100         138         4700 SH
  STAPLES                          COMMON STOCK    855030102        8052       567528 SH
  STAPLES                          COMMON STOCK    855030102         493        34740 SH
  STAPLES                          COMMON STOCK    855030102         308        21680 SH
  STARBUCKS                        COMMON STOCK    855244109         204         5090 SH
  STARBUCKS                        COMMON STOCK    855244109           8          200 SH
  STARBUCKS                        COMMON STOCK    855244109          56         1400 SH
  STATE STR                        COMMON STOCK    857477103         923         7100 SH
  SUIZA FOODS                      COMMON STOCK    865077101         253         5000 SH
  SUMMIT BANCORP                   COMMON STOCK    866005101       36979      1071849 SH
  SUMMIT BANCORP                   COMMON STOCK    866005101        6339       183750 SH
  SUMMIT BANCORP                   COMMON STOCK    866005101       24996       724509 SH
  SUN MICROSYSTEMS                 COMMON STOCK    866810104       17317       148326 SH
  SUN MICROSYSTEMS                 COMMON STOCK    866810104         466         3990 SH
  SUN MICROSYSTEMS                 COMMON STOCK    866810104        1666        14273 SH
  SUNOCO                           COMMON STOCK    86764P109         252         9346 SH
  SUNOCO                           COMMON STOCK    86764P109          21          774 SH
  SUNOCO                           COMMON STOCK    86764P109          11          424 SH
  SYMANTEC                         COMMON STOCK    871503108         770        17500 SH
  SYMYX TECHNOLOGIES               COMMON STOCK    87155S108         302         6962 SH
  SYMYX TECHNOLOGIES               COMMON STOCK    87155S108        1340        30888 SH
  SYQUEST TECHNOLOGY               COMMON STOCK    871660106           0        10875 SH
  SYSCO                            COMMON STOCK    871829107        1941        41913 SH
  SYSCO                            COMMON STOCK    871829107         183         3950 SH
  SYSCO                            COMMON STOCK    871829107        1305        28168 SH
  TECO ENERGY                      COMMON STOCK    872375100         319        11100 SH
  TRW                              COMMON STOCK    872649108         234         5760 SH
  TXU                              COMMON STOCK    873168108         298         7532 SH
  TXU                              COMMON STOCK    873168108          40         1000 SH
  TXU                              COMMON STOCK    873168108         831        20980 SH
  TARGET                           COMMON STOCK    87612E106        8680       338720 SH
  TARGET                           COMMON STOCK    87612E106          98         3840 SH
  TARGET                           COMMON STOCK    87612E106        1276        49800 SH
  TEKTRONIX                        COMMON STOCK    879131100         250         3250 SH
  TEKTRONIX                        COMMON STOCK    879131100          86         1125 SH
  TELLABS                          COMMON STOCK    879664100         556        11645 SH
  TELLABS                          COMMON STOCK    879664100          14          300 SH
  A T & T SH                       COMMON STOCK    879919108         532         1400 SH
  TEXACO                           COMMON STOCK    881694103        3101        59075 SH
  TEXACO                           COMMON STOCK    881694103         235         4484 SH
  TEXACO                           COMMON STOCK    881694103         863        16444 SH
  TEXAS INSTRUMENTS                COMMON STOCK    882508104       27423       581159 SH
  TEXAS INSTRUMENTS                COMMON STOCK    882508104         652        13815 SH
  TEXAS INSTRUMENTS                COMMON STOCK    882508104        1188        25180 SH
  TEXTRON                          COMMON STOCK    883203101        9920       215064 SH
  TEXTRON                          COMMON STOCK    883203101          65         1400 SH
  TEXTRON                          COMMON STOCK    883203101         430         9320 SH
  THOMAS & BETTS                   COMMON STOCK    884315102        1089        62470 SH
  THOMAS & BETTS                   COMMON STOCK    884315102        1972       113108 SH
  3 COM                            COMMON STOCK    885535104        3021       157460 SH
  3 COM                            COMMON STOCK    885535104           4          200 SH
  3 COM                            COMMON STOCK    885535104         122         6375 SH
  TIFFANY                          COMMON STOCK    886547108         262         6800 SH
  TIME WARNER                      COMMON STOCK    887315109       16522       211141 SH
  TIME WARNER                      COMMON STOCK    887315109          47          600 SH
  TIME WARNER                      COMMON STOCK    887315109        1115        14250 SH
  TOSCO                            COMMON STOCK    891490302         546        17500 SH
  TRICON GLOBAL RESTAURANTS        COMMON STOCK    895953107         263         8582 SH
  TRICON GLOBAL RESTAURANTS        COMMON STOCK    895953107         133         4331 SH
  TRIBUNE                          COMMON STOCK    896047107         183         4205 SH
  TRIBUNE                          COMMON STOCK    896047107         419         9600 SH
  21ST CENTURY TECHNOLOGIES        COMMON STOCK    90130C107         221       200000 SH
  TYCO INTL                        COMMON STOCK    902124106       37014       713528 SH
  TYCO INTL                        COMMON STOCK    902124106        1833        35328 SH
  TYCO INTL                        COMMON STOCK    902124106        2584        49819 SH
  USX                              COMMON STOCK    902905827        5342       188263 SH
  UNCOMMON VALUES UNIT TR 1985     MUTUAL FUNDS-EQ 904310174          71        48752 SH
  UNILEVER N V NEW YORK SHS        COMMON STOCK    904784709        6435       133371 SH
  UNILEVER N V NEW YORK SHS        COMMON STOCK    904784709         423         8767 SH
  UNION PACIFIC                    COMMON STOCK    907818108        7266       186919 SH
  UNION PACIFIC                    COMMON STOCK    907818108          47         1200 SH
  UNION PACIFIC                    COMMON STOCK    907818108         615        15820 SH
  UNITED DOMINION REALTY TRUST     COMMON STOCK    910197102           7          600 SH
  UNITED DOMINION REALTY TRUST     COMMON STOCK    910197102         211        19400 SH
  UNITED NATL BANCORP N J          COMMON STOCK    910909100         178        10000 SH
  UNITED PARCEL SVC                COMMON STOCK    911312106         303         5380 SH
  UNITED PARCEL SVC                COMMON STOCK    911312106           6          100 SH
  UNITED PARCEL SVC                COMMON STOCK    911312106           6          101 SH
  UNITED RETAIL GROUP              COMMON STOCK    911380103         154        28000 SH
  UNITED TECHNOLOGIES              COMMON STOCK    913017109       23166       334521 SH
  UNITED TECHNOLOGIES              COMMON STOCK    913017109          35          500 SH
  UNITED TECHNOLOGIES              COMMON STOCK    913017109        1765        25490 SH
  UNIVISION COMMUNICATIONS INC     COMMON STOCK    914906102         187         5000 SH
  UNIVISION COMMUNICATIONS INC     COMMON STOCK    914906102          37         1000 SH
  UNUMPROVIDENT                    COMMON STOCK    91529Y106         193         7080 SH
  UNUMPROVIDENT                    COMMON STOCK    91529Y106         253         9300 SH
  UNUMPROVIDENT                    COMMON STOCK    91529Y106         191         7000 SH
  VALERO ENERGY                    COMMON STOCK    91913Y100        1671        47500 SH
  VALLEY NATL BANCORP              COMMON STOCK    919794107          34         1236 SH
  VALLEY NATL BANCORP              COMMON STOCK    919794107           7          243 SH
  VALLEY NATL BANCORP              COMMON STOCK    919794107         250         9151 SH
  VANGUARD FIXED SECS FD           MUTUAL FUNDS-FI 922031109          85        10379 SH
  VANGUARD FIXED SECS FD           MUTUAL FUNDS-FI 922031307        3220       320126 SH
  VANGUARD FIXED SECS FD           MUTUAL FUNDS-FI 922031307         258        25649 SH
  VANGUARD FIXED SECS FD           MUTUAL FUNDS-FI 922031307         107        10677 SH
  VARIAN                           COMMON STOCK    922206107         433        10050 SH
  VARIAN SEMICONDUCTOR             COMMON STOCK    922207105         213         5700 SH
  VARIAN SEMICONDUCTOR             COMMON STOCK    922207105          19          500 SH
  VARIAN MEDICAL SYSTEMS           COMMON STOCK    92220P105         339         7500 SH
  VARIAN MEDICAL SYSTEMS           COMMON STOCK    92220P105          23          500 SH
  VARIAN MEDICAL SYSTEMS           COMMON STOCK    92220P105          23          500 SH
  VERITAS SOFTWARE                 COMMON STOCK    923436109        8641        60850 SH
  VERIZON COMMUNICATIONS           COMMON STOCK    92343V104       24590       507659 SH
  VERIZON COMMUNICATIONS           COMMON STOCK    92343V104         970        20027 SH
  VERIZON COMMUNICATIONS           COMMON STOCK    92343V104       10768       222311 SH
  VIACOM                           COMMON STOCK    925524308        2070        35381 SH
  VIACOM                           COMMON STOCK    925524308          59         1009 SH
  VIAD                             COMMON STOCK    92552R109          13          486 SH
  VIAD                             COMMON STOCK    92552R109         197         7400 SH
  VISHAY INTERTECHNOLOGY           COMMON STOCK    928298108         246         8000 SH
  VODAFONE GROUP                   COMMON STOCK    92857W100        4261       115155 SH
  VODAFONE GROUP                   COMMON STOCK    92857W100         119         3215 SH
  VODAFONE GROUP                   COMMON STOCK    92857W100         825        22305 SH
  WACHOVIA                         COMMON STOCK    929771103         163         2870 SH
  WACHOVIA                         COMMON STOCK    929771103         223         3930 SH
  WAL MART                         COMMON STOCK    931142103       10010       207992 SH
  WAL MART                         COMMON STOCK    931142103          26          550 SH
  WAL MART                         COMMON STOCK    931142103        4971       103290 SH
  WALGREEN                         COMMON STOCK    931422109         604        15932 SH
  WALGREEN                         COMMON STOCK    931422109          30          800 SH
  WATERS                           COMMON STOCK    941848103         792         8900 SH
  WEBMD                            COMMON STOCK    94769M105         168        11000 SH
  WEBMD                            COMMON STOCK    94769M105           0            8 SH
  WEINGARTEN REALTY SBI            COMMON STOCK    948741103         163         4000 SH
  WEINGARTEN REALTY SBI            COMMON STOCK    948741103          82         2000 SH
  WELLS FARGO NEW                  COMMON STOCK    949746101       11190       243585 SH
  WELLS FARGO NEW                  COMMON STOCK    949746101          18          400 SH
  WELLS FARGO NEW                  COMMON STOCK    949746101         248         5400 SH
  WESTBURY METALS GROUP            COMMON STOCK    957289101          56        26660 SH
  WESTBURY METALS GROUP            COMMON STOCK    957289101          84        40000 SH
  WILLIAMS COS                     COMMON STOCK    969457100        4920       116440 SH
  WILLIAMS COS                     COMMON STOCK    969457100          17          400 SH
  WILMINGTON TRUST                 COMMON STOCK    971807102         461         8600 SH
  WILMINGTON TRUST                 COMMON STOCK    971807102         257         4800 SH
  WISCONSIN ENERGY                 COMMON STOCK    976657106         119         5976 SH
  WISCONSIN ENERGY                 COMMON STOCK    976657106         121         6050 SH
  WORLDCOM                         COMMON STOCK    98157D106       15871       522496 SH
  WORLDCOM                         COMMON STOCK    98157D106         651        21418 SH
  WORLDCOM                         COMMON STOCK    98157D106        2084        68608 SH
  WRIGLEY WM JR                    COMMON STOCK    982526105         132         1757 SH
  WRIGLEY WM JR                    COMMON STOCK    982526105         809        10800 SH
  XILINX                           COMMON STOCK    983919101       20088       234600 SH
  XILINX                           COMMON STOCK    983919101          17          200 SH
  XEROX                            COMMON STOCK    984121103         857        56896 SH
  XEROX                            COMMON STOCK    984121103         176        11678 SH
  YAHOO                            COMMON STOCK    984332106        5660        62200 SH
  YAHOO                            COMMON STOCK    984332106         737         8100 SH
  BLUE RIBBON LABEL                COMMON STOCK    999M31000        1707           37 SH
  ENDICOTT MACHINE & TOOL          COMMON STOCK    999ZT1003        2459       274699 SH
  MURRAY HILL RACQUET CLUB         COMMON STOCK    99A246000         605          326 SH
  EBAGS                            COMMON STOCK    99A366105          12        12500 SH
  GLOBAL CROSSING LTD              COMMON STOCK    G3921A100         788        25435 SH
  GLOBAL CROSSING LTD              COMMON STOCK    G3921A100          25          800 SH
  GLOBAL CROSSING LTD              COMMON STOCK    G3921A100         174         5600 SH
  TRANSOCEAN SEDCO FOREX           COMMON STOCK    G90078109         291         4965 SH
  TRANSOCEAN SEDCO FOREX           COMMON STOCK    G90078109           6           96 SH
  TRANSOCEAN SEDCO FOREX           COMMON STOCK    G90078109         110         1869 SH
  SHONK LAND CO LTD PARTNERSHIP    LIMITED PARTNER XX0155004         266          166 PRN
  UNIVERSAL REALTY CO INC          COMMON STOCK    XX5384021         150        94640 SH
  KANAVY COMPUTER CORP CONV PFD    CONVERTIBLE PRE XX5628005          10        10000 SH

  NAME OF ISSUER                  INVSTMT OTHER         VOTING AUTHORITY
  SECURITY NAME                   DISCRTN MANAGERS      SOLE         SHARED       NONE

  A C MOORE ARTS & CRAFTS         SOLE                  14000
  ADC TELECOMMUNICATIONS          SOLE                  14980
  AES                             SOLE                  139000
  AES                             SOLE                                            1500
  AT&T                            SOLE                  332250
  AT&T                            SOLE                                            81351
  AT&T                            DEFINED               15857
  AT&T                            DEFINED                                         5412
  AT&T                            OTHER                 67572
  AT&T                            OTHER                                           17952
  AXA FINL                        SOLE                  6475
  AXA FINL                        SOLE                                            1000
  AXA FINL                        DEFINED               400
  ABBOTT LABS                     SOLE                  82255
  ABBOTT LABS                     SOLE                                            43700
  ABBOTT LABS                     DEFINED               2600
  ABBOTT LABS                     DEFINED                                         700
  ABBOTT LABS                     OTHER                 101410
  ABBOTT LABS                     OTHER                                           19100
  ACCLAIM ENMNT                   SOLE                  15000
  AETNA                           SOLE                  2200
  AETNA                           OTHER                 1600
  AGILENT TECHNOLOGIES            SOLE                  33986
  AGILENT TECHNOLOGIES            SOLE                                            2237
  AGILENT TECHNOLOGIES            DEFINED               545
  AGILENT TECHNOLOGIES            DEFINED                                         114
  AGILENT TECHNOLOGIES            OTHER                 14722
  AGILENT TECHNOLOGIES            OTHER                                           1998
  AIR PRODUCTS & CHEMICALS        SOLE                  8120
  AIR PRODUCTS & CHEMICALS        SOLE                                            25800
  AIR PRODUCTS & CHEMICALS        OTHER                 1300
  ALCOA                           SOLE                  19361
  ALCOA                           OTHER                 4
  ALLEGHENY ENERGY                SOLE                  4750
  ALLEGHENY ENERGY                SOLE                                            100
  ALLEGHENY ENERGY                OTHER                 400
  ALLERGAN                        SOLE                  13808
  ALLIANCE CAP MGMT HLD           SOLE                  23610
  ALLIANCE CAP MGMT HLD           SOLE                                            20965
  ALLIANCE CAP MGMT HLD           DEFINED               4295
  ALLIANCE CAP MGMT HLD           DEFINED                                         6400
  ALLIANCE CAP MGMT HLD           OTHER                 34570
  ALLIANCE CAP MGMT HLD           OTHER                                           11600
  ALLIED IRISH BANKS PLC          SOLE                  6600
  ALLIED IRISH BANKS PLC          OTHER                 5100
  ALLSTATE                        SOLE                  21260
  ALLSTATE                        SOLE                                            9874
  ALLSTATE                        DEFINED               1000
  ALLSTATE                        OTHER                 5793
  ALLSTATE                        OTHER                                           1240
  ALLTEL                          SOLE                  173371
  ALLTEL                          SOLE                                            7566
  ALLTEL                          DEFINED               4916
  ALLTEL                          DEFINED                                         500
  ALLTEL                          OTHER                 7931
  ALLTEL                          OTHER                                           1140
  ALTERA                          SOLE                  10000
  AMCAP FD                        OTHER                 17665
  AMERICA ONLINE                  SOLE                  274238
  AMERICA ONLINE                  SOLE                                            49140
  AMERICA ONLINE                  DEFINED               6700
  AMERICA ONLINE                  DEFINED                                         300
  AMERICA ONLINE                  OTHER                 26345
  AMERICA ONLINE                  OTHER                              4800
  AMERICA ONLINE                  OTHER                                           5300
  AMERICAN ELECTRIC POWER         SOLE                  5466
  AMERICAN ELECTRIC POWER         SOLE                                            3749
  AMERICAN ELECTRIC POWER         DEFINED               2259
  AMERICAN ELECTRIC POWER         OTHER                 17139
  AMERICAN ELECTRIC POWER         OTHER                                           7500
  AMERICAN EXPRESS                SOLE                  328785
  AMERICAN EXPRESS                SOLE                                            33000
  AMERICAN EXPRESS                OTHER                 62852
  AMERICAN EXPRESS                OTHER                                           7994
  AMERICAN GENERAL                SOLE                  43619
  AMERICAN GENERAL                SOLE                                            900
  AMERICAN GENERAL                OTHER                 2490
  AMERICAN HOME PRODUCTS          SOLE                  265356
  AMERICAN HOME PRODUCTS          SOLE                                            56566
  AMERICAN HOME PRODUCTS          DEFINED               12815
  AMERICAN HOME PRODUCTS          DEFINED                                         1200
  AMERICAN HOME PRODUCTS          OTHER                 114606
  AMERICAN HOME PRODUCTS          OTHER                                           19850
  AMERICAN INTL GROUP             SOLE                  744890
  AMERICAN INTL GROUP             SOLE                                            87436
  AMERICAN INTL GROUP             DEFINED               20941
  AMERICAN INTL GROUP             DEFINED                                         7414
  AMERICAN INTL GROUP             OTHER                 117360
  AMERICAN INTL GROUP             OTHER                              1124
  AMERICAN INTL GROUP             OTHER                                           33944
  AMERICAN POWER CONVERSION       SOLE                  29650
  AMERICAN POWER CONVERSION       SOLE                                            5150
  AMERICAN POWER CONVERSION       DEFINED               7250
  AMERICAN POWER CONVERSION       DEFINED                                         2000
  AMERICAN POWER CONVERSION       OTHER                 4800
  AMERICAN POWER CONVERSION       OTHER                              4000
  AMERICAN POWER CONVERSION       OTHER                                           7200
  AMGEN                           SOLE                  100240
  AMGEN                           SOLE                                            30100
  AMGEN                           DEFINED               800
  AMGEN                           OTHER                 13050
  AMGEN                           OTHER                              760
  AMGEN                           OTHER                                           750
  ANADARKO PETROLEUM              SOLE                  31686
  ANADARKO PETROLEUM              SOLE                                            76
  ANADARKO PETROLEUM              OTHER                 539
  ANALOG DEVICES                  SOLE                  3600
  ANALOG DEVICES                  OTHER                 500
  ANDRX GROUP                     SOLE                  1000
  ANDRX GROUP                     SOLE                                            6000
  ANHEUSER BUSCH                  SOLE                  39196
  ANHEUSER BUSCH                  SOLE                                            6410
  ANHEUSER BUSCH                  DEFINED               800
  ANHEUSER BUSCH                  DEFINED                                         800
  ANHEUSER BUSCH                  OTHER                 9700
  ANHEUSER BUSCH                  OTHER                                           16800
  ANIXTER INTERNATIONAL           SOLE                  15000
  APOLLO GROUP                    SOLE                  4500
  APOLLO GROUP                    OTHER                 7400
  APPLIED MATERIALS               SOLE                  33060
  APPLIED MATERIALS               SOLE                                            2200
  APPLIED MATERIALS               DEFINED                                         100
  APPLIED MATERIALS               OTHER                 500
  AQUIS COMMUNICATIONS GROUP      SOLE                  10000
  ARIBA                           SOLE                  2525
  DAVE'S AUTO SUPPLY              OTHER                 96
  ASSOCIATES FIRST CAPITAL CRP    SOLE                  7273
  ASSOCIATES FIRST CAPITAL CRP    SOLE                                            1304
  ASSOCIATES FIRST CAPITAL CRP    OTHER                 1046
  AUDIOVOX                        SOLE                  20000
  AUTODESK                        SOLE                  25000
  AUTOMATIC DATA PROCESSING       SOLE                  519402
  AUTOMATIC DATA PROCESSING       SOLE                                            98405
  AUTOMATIC DATA PROCESSING       DEFINED               22723
  AUTOMATIC DATA PROCESSING       DEFINED                                         2800
  AUTOMATIC DATA PROCESSING       OTHER                 81175
  AUTOMATIC DATA PROCESSING       OTHER                              2000
  AUTOMATIC DATA PROCESSING       OTHER                                           48682
  AVENTIS                         SOLE                  3500
  AVERY DENNISON                  SOLE                  10250
  AVERY DENNISON                  SOLE                                            6600
  AVERY DENNISON                  DEFINED               1400
  AVERY DENNISON                  OTHER                 2000
  AVON PRODUCTS                   SOLE                  2742
  AVON PRODUCTS                   OTHER                 7600
  BJS WHSL CLUB                   SOLE                  11600
  BP AMOCO PLC                    SOLE                  685025
  BP AMOCO PLC                    SOLE                                            64806
  BP AMOCO PLC                    DEFINED               21356
  BP AMOCO PLC                    DEFINED                                         328
  BP AMOCO PLC                    OTHER                 141929
  BP AMOCO PLC                    OTHER                                           28569
  BSB BANCORP                     SOLE                                            27216
  BAKER HUGHES                    SOLE                  700
  BAKER HUGHES                    OTHER                                           5000
  BALLARD PWRS SYS                SOLE                  3900
  BANK AMER                       SOLE                  229838
  BANK AMER                       SOLE                                            26748
  BANK AMER                       DEFINED               300
  BANK AMER                       OTHER                 33332
  BANK AMER                       OTHER                                           7350
  BANK OF NY                      SOLE                  742497
  BANK OF NY                      SOLE                                            41316
  BANK OF NY                      DEFINED               300
  BANK OF NY                      OTHER                 66166
  BANK OF NY                      OTHER                                           21400
  BANK ONE                        SOLE                  222492
  BANK ONE                        SOLE                                            3521
  BANK ONE                        DEFINED               1005
  BANK ONE                        OTHER                 4417
  BANK ONE                        OTHER                                           1000
  BAXTER INTL                     SOLE                  62461
  BAXTER INTL                     SOLE                                            300
  BAXTER INTL                     DEFINED               400
  BAXTER INTL                     OTHER                 1300
  BEAR STEARNS                    SOLE                  2332
  BEAR STEARNS                    OTHER                 950
  BECTON DICKINSON & CO           SOLE                  21590
  BECTON DICKINSON & CO           SOLE                                            1700
  BECTON DICKINSON & CO           OTHER                 5000
  BECTON DICKINSON & CO           OTHER                                           6600
  BED BATH & BEYOND               SOLE                  389100
  BED BATH & BEYOND               SOLE                                            4000
  BED BATH & BEYOND               DEFINED               22400
  BED BATH & BEYOND               DEFINED                                         400
  BED BATH & BEYOND               OTHER                 32200
  BED BATH & BEYOND               OTHER                                           2400
  BELLSOUTH                       SOLE                  645486
  BELLSOUTH                       SOLE                                            58770
  BELLSOUTH                       DEFINED               17760
  BELLSOUTH                       DEFINED                                         2232
  BELLSOUTH                       OTHER                 172507
  BELLSOUTH                       OTHER                              1000
  BELLSOUTH                       OTHER                                           30632
  BERKSHIRE                       SOLE                  1
  BERKSHIRE                       SOLE                                            4
  BERKSHIRE                       SOLE                  859
  BERKSHIRE                       SOLE                                            283
  BERKSHIRE                       DEFINED               37
  BERKSHIRE                       OTHER                 694
  BERKSHIRE                       OTHER                                           375
  BEST BUY                        SOLE                  88400
  BESTFOODS                       SOLE                  296401
  BESTFOODS                       SOLE                                            14520
  BESTFOODS                       DEFINED               9902
  BESTFOODS                       DEFINED                                         600
  BESTFOODS                       OTHER                 30917
  BESTFOODS                       OTHER                                           12325
  BIOCONTROL TECHNOLOGY           SOLE                  50000
  BIOMET                          SOLE                  8430
  BLACK & DECKER                  SOLE                  21320
  BOEING                          SOLE                  14156
  BOEING                          SOLE                                            1200
  BOEING                          OTHER                 1700
  BOEING                          OTHER                                           674
  BOISE CASCADE                   SOLE                                            9000
  BOSTON SCIENTIFIC               SOLE                  8700
  BOSTON SCIENTIFIC               DEFINED               2000
  BRISTOL MYERS SQUIBB            SOLE                  465341
  BRISTOL MYERS SQUIBB            SOLE                                            48013
  BRISTOL MYERS SQUIBB            DEFINED               16090
  BRISTOL MYERS SQUIBB            DEFINED                                         5400
  BRISTOL MYERS SQUIBB            OTHER                 192655
  BRISTOL MYERS SQUIBB            OTHER                                           29200
  BROADWING                       SOLE                  8600
  BROADWING                       OTHER                 10400
  BROADWING                       OTHER                                           2600
  BURLINGTON NORTHERN SANTA FE    SOLE                  249732
  BURLINGTON NORTHERN SANTA FE    SOLE                                            5421
  BURLINGTON NORTHERN SANTA FE    DEFINED                                         1500
  BURLINGTON NORTHERN SANTA FE    OTHER                 7700
  BURLINGTON RESOURCES            SOLE                  5641
  BURLINGTON RESOURCES            SOLE                                            435
  BURLINGTON RESOURCES            DEFINED               1525
  BURLINGTON RESOURCES            OTHER                 872
  BURLINGTON RESOURCES            OTHER                                           1500
  CIGNA                           SOLE                  17495
  CIGNA                           SOLE                                            1500
  CIGNA                           DEFINED                                         2000
  CIGNA                           OTHER                 6400
  CIGNA                           OTHER                                           1950
  CP & L ENERGY                   SOLE                  4792
  CP & L ENERGY                   SOLE                                            4000
  CP & L ENERGY                   DEFINED               400
  CP & L ENERGY                   OTHER                 800
  CP & L ENERGY                   OTHER                                           400
  CSX                             SOLE                  57506
  CSX                             SOLE                                            2520
  CSX                             DEFINED               1800
  CSX                             OTHER                 5620
  CTS                             SOLE                  97600
  CTS                             SOLE                                            800
  CTS                             DEFINED               300
  CVS                             SOLE                  8695
  CVS                             SOLE                                            6400
  CVS                             OTHER                 200
  CVS                             OTHER                              1000
  CVS                             OTHER                                           2400
  CALPINE                         SOLE                  3200
  CALPINE                         SOLE                                            1000
  CAMPBELL SOUP                   SOLE                  7250
  CAMPBELL SOUP                   OTHER                 13550
  CAMPBELL SOUP                   OTHER                              2000
  CAMPBELL SOUP                   OTHER                                           4800
  CARDINAL HEALTH                 SOLE                  15994
  CARNIVAL                        SOLE                  14850
  CARNIVAL                        SOLE                                            4900
  CARNIVAL                        DEFINED               1600
  CARNIVAL                        OTHER                 2000
  CARNIVAL                        OTHER                                           900
  CATERPILLAR                     SOLE                  4737
  CATERPILLAR                     SOLE                                            5700
  CATERPILLAR                     OTHER                 7420
  CATERPILLAR                     OTHER                                           400
  CENDANT                         SOLE                  10200
  CENDANT                         SOLE                                            700
  CENTURYTEL                      SOLE                  3691
  CENTURYTEL                      SOLE                                            10125
  CHASE MANHATTAN                 SOLE                  276599
  CHASE MANHATTAN                 SOLE                                            26280
  CHASE MANHATTAN                 DEFINED               5400
  CHASE MANHATTAN                 DEFINED                                         850
  CHASE MANHATTAN                 OTHER                 5498
  CHASE MANHATTAN                 OTHER                                           2700
  CHECKPOINT SYS                  SOLE                  18200
  CHEVRON                         SOLE                  60506
  CHEVRON                         SOLE                                            17780
  CHEVRON                         DEFINED               4440
  CHEVRON                         OTHER                 14260
  CHEVRON                         OTHER                                           200
  CHIRON                          SOLE                  13250
  CHIRON                          SOLE                                            25000
  CHIRON                          OTHER                 5000
  CHIRON                          OTHER                              800
  CHUBB                           SOLE                  8650
  CHUBB                           SOLE                                            200
  CHUBB                           OTHER                 12932
  CHUBB                           OTHER                                           4200
  CIRRUS LOGIC                    SOLE                  7000
  CISCO SYSTEMS                   SOLE                  853845
  CISCO SYSTEMS                   SOLE                                            103856
  CISCO SYSTEMS                   DEFINED               38928
  CISCO SYSTEMS                   DEFINED                                         3100
  CISCO SYSTEMS                   OTHER                 132627
  CISCO SYSTEMS                   OTHER                              6000
  CISCO SYSTEMS                   OTHER                                           8178
  CINTAS                          SOLE                  2630
  CINTAS                          SOLE                                            5250
  CINTAS                          DEFINED               3360
  CINTAS                          DEFINED                                         1050
  CINTAS                          OTHER                 1200
  CITIGROUP                       SOLE                  734831
  CITIGROUP                       SOLE                                            85812
  CITIGROUP                       DEFINED               34066
  CITIGROUP                       DEFINED                                         549
  CITIGROUP                       OTHER                 64812
  CITIGROUP                       OTHER                              1200
  CITIGROUP                       OTHER                                           9332
  CLOROX                          SOLE                  7498
  CLOROX                          SOLE                                            15000
  COCA COLA                       SOLE                  123679
  COCA COLA                       SOLE                                            58565
  COCA COLA                       DEFINED               6096
  COCA COLA                       DEFINED                                         1400
  COCA COLA                       OTHER                 116428
  COCA COLA                       OTHER                                           47650
  COLGATE PALMOLIVE               SOLE                  260415
  COLGATE PALMOLIVE               SOLE                                            19960
  COLGATE PALMOLIVE               DEFINED               700
  COLGATE PALMOLIVE               DEFINED                                         800
  COLGATE PALMOLIVE               OTHER                 32425
  COLUMBIA ENERGY GROUP           SOLE                  450
  COLUMBIA ENERGY GROUP           OTHER                 15750
  COLUMBIA ENERGY GROUP           OTHER                                           4500
  COMCAST                         SOLE                  22400
  COMCAST                         OTHER                 1000
  COMDISCO INC                    SOLE                  46700
  COMERICA                        SOLE                  3150
  COMERICA                        SOLE                                            675
  COMERICA                        OTHER                 5475
  COMMERCE BANCORP                SOLE                  3789
  COMPAQ COMPUTER                 SOLE                  90807
  COMPAQ COMPUTER                 SOLE                                            5900
  COMPAQ COMPUTER                 DEFINED               2300
  COMPAQ COMPUTER                 DEFINED                                         800
  COMPAQ COMPUTER                 OTHER                 11990
  COMPAQ COMPUTER                 OTHER                                           600
  COMPUTER ASSOCIATES             SOLE                  29932
  COMPUTER ASSOCIATES             SOLE                                            14899
  COMPUTER ASSOCIATES             DEFINED               2300
  COMPUTER ASSOCIATES             OTHER                 7832
  COMPUTER ASSOCIATES             OTHER                                           3200
  CONAGRA                         SOLE                  200
  CONAGRA                         SOLE                                            3600
  CONAGRA                         DEFINED                                         226
  CONAGRA                         OTHER                 27000
  CONECTIV                        SOLE                  8900
  CONECTIV                        OTHER                 1650
  CONECTIV                        OTHER                                           300
  CONEXANT                        SOLE                  1816
  CONEXANT                        SOLE                                            2280
  CONEXANT                        DEFINED               1920
  CONEXANT                        DEFINED                                         600
  CONEXANT                        OTHER                 1800
  CONEXANT                        OTHER                                           4700
  CONOCO                          SOLE                  58049
  CONOCO                          SOLE                                            16194
  CONOCO                          DEFINED               1137
  CONOCO                          OTHER                 7235
  CONOCO                          OTHER                                           306
  CONSOLIDATED EDISON             SOLE                  29418
  CONSOLIDATED EDISON             SOLE                                            5000
  CONSOLIDATED EDISON             DEFINED               1275
  CONSOLIDATED EDISON             OTHER                 2830
  CONSOLIDATED EDISON             OTHER                                           1840
  CONSTELLATION ENERGY GROUP      SOLE                  10254
  CONSTELLATION ENERGY GROUP      DEFINED               300
  CONSTELLATION ENERGY GROUP      OTHER                 1400
  CONSTELLATION ENERGY GROUP      OTHER                                           825
  CONVERGYS                       SOLE                  6600
  CONVERGYS                       OTHER                 10400
  CONVERGYS                       OTHER                                           2600
  CORNING                         SOLE                  29355
  CORNING                         SOLE                                            18750
  CORNING                         DEFINED               2600
  CORNING                         OTHER                 14565
  CORNING                         OTHER                                           500
  COX COMMUNICATIONS NEW CLASS A  SOLE                                            11436
  DANAHER                         SOLE                  5780
  DANAHER                         DEFINED                                         1600
  DARDEN RESTAURANTS              SOLE                  500
  DARDEN RESTAURANTS              SOLE                                            1400
  DARDEN RESTAURANTS              OTHER                 10512
  DECS TR VI                      SOLE                  20000
  DEERE                           SOLE                  3182
  DEERE                           OTHER                 9800
  DEERE                           OTHER                                           8400
  DELL COMPUTER                   SOLE                  321972
  DELL COMPUTER                   SOLE                                            75996
  DELL COMPUTER                   DEFINED               28984
  DELL COMPUTER                   DEFINED                                         1700
  DELL COMPUTER                   OTHER                 22965
  DELL COMPUTER                   OTHER                              2800
  DELL COMPUTER                   OTHER                                           13556
  DELPHI AUTOMOTIVE SYS           SOLE                  6851
  DELPHI AUTOMOTIVE SYS           SOLE                                            368
  DELPHI AUTOMOTIVE SYS           DEFINED               113
  DELPHI AUTOMOTIVE SYS           OTHER                 2892
  DELPHI AUTOMOTIVE SYS           OTHER                                           1186
  DEVRY INC DEL                   SOLE                  6000
  DISNEY WALT                     SOLE                  450286
  DISNEY WALT                     SOLE                                            99018
  DISNEY WALT                     DEFINED               9852
  DISNEY WALT                     DEFINED                                         1600
  DISNEY WALT                     OTHER                 44425
  DISNEY WALT                     OTHER                                           25720
  DOLLAR TREE STORES              SOLE                  162200
  DOMINION RES                    SOLE                  17414
  DOMINION RES                    SOLE                                            10877
  DOMINION RES                    OTHER                 1053
  DOMINION RES                    OTHER                                           1025
  DOVER                           SOLE                  1000
  DOVER                           SOLE                                            12200
  DOVER                           DEFINED               2000
  DOVER                           OTHER                 3520
  DOW CHEMICAL                    SOLE                  34812
  DOW CHEMICAL                    SOLE                                            16571
  DOW CHEMICAL                    DEFINED               1575
  DOW CHEMICAL                    OTHER                 28137
  DOW CHEMICAL                    OTHER                                           33900
  DU PONT E I DE NEMOURS          SOLE                  196004
  DU PONT E I DE NEMOURS          SOLE                                            26264
  DU PONT E I DE NEMOURS          DEFINED               6817
  DU PONT E I DE NEMOURS          DEFINED                                         1550
  DU PONT E I DE NEMOURS          OTHER                 75721
  DU PONT E I DE NEMOURS          OTHER                              360
  DU PONT E I DE NEMOURS          OTHER                                           30756
  DUFF & PHELPS UTILITIES INCOME  SOLE                  8193
  DUFF & PHELPS UTILITIES INCOME  OTHER                                           2200
  DUKE ENERGY                     SOLE                  18378
  DUKE ENERGY                     SOLE                                            12917
  DUKE ENERGY                     DEFINED               1050
  DUKE ENERGY                     DEFINED                                         2350
  DUKE ENERGY                     OTHER                 5400
  DUKE ENERGY                     OTHER                                           3650
  DUKE RLTY INVTS                 SOLE                  610
  DUKE RLTY INVTS                 SOLE                                            10000
  DUN & BRADSTREET                SOLE                  29897
  DUN & BRADSTREET                OTHER                                           2680
  DYNEGY                          SOLE                  5200
  EMC                             SOLE                  461075
  EMC                             SOLE                                            53560
  EMC                             DEFINED               8460
  EMC                             DEFINED                                         1100
  EMC                             OTHER                 27755
  EMC                             OTHER                              2400
  EMC                             OTHER                                           5820
  E'TOWN                          SOLE                  3650
  E'TOWN                          SOLE                                            582
  E'TOWN                          OTHER                 1129
  E'TOWN                          OTHER                                           600
  EARTHLINK                       SOLE                  10000
  EASTERN ENTERPRISES             SOLE                                            3551
  EASTERN ENTERPRISES             DEFINED               25
  EASTMAN KODAK                   SOLE                  24175
  EASTMAN KODAK                   SOLE                                            1486
  EASTMAN KODAK                   OTHER                 4433
  EASTMAN KODAK                   OTHER                                           700
  EBAY                            SOLE                  5200
  EBAY                            OTHER                 300
  EDINBERG                        OTHER                                           82
  800 TRAVEL SYS                  SOLE                  10000
  EL PASO ENERGY                  SOLE                  30000
  EL PASO ENERGY DEL              SOLE                  42066
  EL PASO ENERGY DEL              OTHER                 7200
  EL PASO ENERGY DEL              OTHER                                           300
  ELAN PLC                        SOLE                  201600
  ELAN PLC                        SOLE                                            10000
  ELAN PLC                        DEFINED               200
  ELAN PLC                        DEFINED                                         1500
  ELAN PLC                        OTHER                 4600
  ELECTRONIC DATA SYSTEMS         SOLE                  238909
  ELECTRONIC DATA SYSTEMS         SOLE                                            14435
  ELECTRONIC DATA SYSTEMS         DEFINED               7421
  ELECTRONIC DATA SYSTEMS         DEFINED                                         1200
  ELECTRONIC DATA SYSTEMS         OTHER                 26317
  ELECTRONIC DATA SYSTEMS         OTHER                                           6130
  EMERSON ELEC                    SOLE                  200532
  EMERSON ELEC                    SOLE                                            25098
  EMERSON ELEC                    DEFINED               1600
  EMERSON ELEC                    OTHER                 19038
  EMERSON ELEC                    OTHER                                           19800
  ENERGY EAST                     SOLE                  1830
  ENERGY EAST                     SOLE                                            24499
  ENERGY EAST                     OTHER                 2994
  ENERGY EAST                     OTHER                                           1000
  ENGELHARD                       SOLE                  26587
  ENGELHARD                       SOLE                                            1050
  ENGELHARD                       DEFINED               4450
  ENGELHARD                       OTHER                 13600
  ENGELHARD                       OTHER                                           12400
  ENRON                           SOLE                  852910
  ENRON                           SOLE                                            63710
  ENRON                           DEFINED               16021
  ENRON                           DEFINED                                         1000
  ENRON                           OTHER                 66185
  ENRON                           OTHER                                           5384
  EQUITY INCOME FUND              SOLE                  3367
  EQUITY INCOME FUND              DEFINED               534
  EQUITY INCOME FUND              DEFINED                                         100
  EQUITY INCOME FUND              OTHER                 3900
  EQUITY INNS                     OTHER                 14000
  EQUITY INV FD                   SOLE                  36418
  EQUITY INV FD                   SOLE                  14548
  ERICSSON                        SOLE                  139990
  ERICSSON                        SOLE                                            22120
  ERICSSON                        DEFINED               12600
  ERICSSON                        OTHER                 7700
  ERICSSON                        OTHER                                           25600
  ETOYS                           SOLE                  20000
  EXODUS COMMUNICATIONS           SOLE                  1846
  EXODUS COMMUNICATIONS           SOLE                                            6000
  EXODUS COMMUNICATIONS           DEFINED               200
  EXODUS COMMUNICATIONS           DEFINED                                         200
  EXXON MOBIL                     SOLE                  824706
  EXXON MOBIL                     SOLE                                            126059
  EXXON MOBIL                     DEFINED               25966
  EXXON MOBIL                     DEFINED                                         6680
  EXXON MOBIL                     OTHER                 299246
  EXXON MOBIL                     OTHER                              1852
  EXXON MOBIL                     OTHER                                           86967
  FPL                             SOLE                  117498
  FPL                             SOLE                                            16250
  FPL                             OTHER                 3250
  FPL                             OTHER                                           1300
  FANNIE MAE                      SOLE                  85195
  FANNIE MAE                      SOLE                                            47150
  FANNIE MAE                      DEFINED                                         500
  FANNIE MAE                      OTHER                 15477
  FANNIE MAE                      OTHER                                           2500
  FEDERATED INDEX TR              SOLE                  5722
  FEDERATED INDEX TR              OTHER                 3476
  FEDEX                           SOLE                  4200
  FEDEX                           SOLE                                            4500
  FEDEX                           DEFINED               600
  FIDELITY                        SOLE                  6219
  FIDELITY                        OTHER                                           22354
  FIRST AUSTRALIA PRIME           SOLE                  9000
  FIRST AUSTRALIA PRIME           SOLE                                            5000
  FIRST DATA                      SOLE                  4912
  FIRST DATA                      SOLE                                            500
  FIRST DATA                      OTHER                 1000
  FIRST SEC DEL                   OTHER                 10800
  FIRST SEC DEL                   OTHER                                           11250
  FIRST UNION                     SOLE                  184962
  FIRST UNION                     SOLE                                            13241
  FIRST UNION                     DEFINED               8788
  FIRST UNION                     DEFINED                                         460
  FIRST UNION                     OTHER                 54802
  FIRST UNION                     OTHER                                           17800
  FIRST UNION                     SOLE                  300000
  FIRST VIRGINIA BANKS            SOLE                  3600
  FIRST VIRGINIA BANKS            OTHER                 1125
  FISERV                          SOLE                  4000
  FLEETBOSTON FINANCIAL           SOLE                  30198
  FLEETBOSTON FINANCIAL           SOLE                                            800
  FLEETBOSTON FINANCIAL           OTHER                 14425
  FLEETBOSTON FINANCIAL           OTHER                                           7200
  FLEMINGTON FUR                  SOLE                  71914
  FLORIDA                         SOLE                  10980
  FLORIDA                         DEFINED               150
  FLORIDA                         OTHER                 3600
  FLORIDA                         OTHER                                           450
  FLUOR                           SOLE                  7000
  FORD MOTOR DEL                  SOLE                  83302
  FORD MOTOR DEL                  SOLE                                            10916
  FORD MOTOR DEL                  DEFINED                                         1748
  FORD MOTOR DEL                  OTHER                 4480
  FORD MOTOR DEL                  OTHER                                           2646
  FORTUNE BRANDS                  SOLE                  14750
  FORTUNE BRANDS                  OTHER                 6948
  FOUNDRY NETWORKS                SOLE                  4750
  FRANKLIN INTERNATIONAL          OTHER                                           4316
  FRANKLIN RESOURCES              SOLE                  6140
  FRANKLIN RESOURCES              SOLE                                            300
  FRANKLIN RESOURCES              DEFINED               337
  FRANKLIN RESOURCES              OTHER                 7600
  FULTON FINL PA                  SOLE                  36618
  GPU                             SOLE                  11065
  GPU                             SOLE                                            5830
  GPU                             DEFINED               488
  GPU                             DEFINED                                         750
  GPU                             OTHER                 28788
  GPU                             OTHER                                           450
  GALLAHER GROUP                  SOLE                  9650
  GALLAHER GROUP                  OTHER                 3878
  GANNETT                         SOLE                  181156
  GANNETT                         SOLE                                            14400
  GANNETT                         DEFINED               1600
  GANNETT                         OTHER                 17500
  GANNETT                         OTHER                                           600
  GAP STORES                      SOLE                  12909
  GAP STORES                      SOLE                                            4200
  GAP STORES                      DEFINED               1012
  GENERAL ELECTRIC                SOLE                  2690823
  GENERAL ELECTRIC                SOLE                                            546116
  GENERAL ELECTRIC                DEFINED               92651
  GENERAL ELECTRIC                DEFINED                                         17950
  GENERAL ELECTRIC                OTHER                 808081
  GENERAL ELECTRIC                OTHER                              8400
  GENERAL ELECTRIC                OTHER                                           445996
  GENERAL MILLS                   SOLE                  8800
  GENERAL MILLS                   SOLE                                            7000
  GENERAL MILLS                   DEFINED               2768
  GENERAL MILLS                   OTHER                 33040
  GENERAL MILLS                   OTHER                                           4928
  GENERAL MOTORS                  SOLE                  14635
  GENERAL MOTORS                  SOLE                                            4467
  GENERAL MOTORS                  DEFINED               162
  GENERAL MOTORS                  OTHER                 4048
  GENERAL MOTORS                  OTHER                                           2150
  GENZYME                         SOLE                  2200
  GENZYME                         DEFINED               2000
  GENZYME                         OTHER                 2800
  GEORGIA PACIFIC                 SOLE                  8880
  GEORGIA PACIFIC                 OTHER                 2600
  GEORGIA PACIFIC                 OTHER                                           4000
  GILLETTE                        SOLE                  72786
  GILLETTE                        SOLE                                            57126
  GILLETTE                        DEFINED               8361
  GILLETTE                        OTHER                 22523
  GILLETTE                        OTHER                                           1739
  GLAXO                           SOLE                  166670
  GLAXO                           SOLE                                            2850
  GLAXO                           OTHER                 10850
  GLIMCHER REALTY TRUST           OTHER                 17700
  GOVERNMENT SECURITIES INCOME FD SOLE                                            88334
  GUIDANT                         SOLE                  2643
  GUIDANT                         OTHER                 3276
  HALLIBURTON                     SOLE                  11426
  HALLIBURTON                     SOLE                                            8600
  HALLIBURTON                     OTHER                 3800
  HALLIBURTON                     OTHER                                           1600
  HARLEY DAVIDSON                 SOLE                  180635
  HARLEY DAVIDSON                 SOLE                                            16000
  HARLEY DAVIDSON                 DEFINED               60
  HARLEY DAVIDSON                 OTHER                 6650
  HARTFORD FINANCIAL SERVICES     SOLE                  19620
  HARTFORD FINANCIAL SERVICES     DEFINED               1508
  HARTFORD FINANCIAL SERVICES     OTHER                 5700
  HARTFORD FINANCIAL SERVICES     OTHER                                           1000
  THE HARVILL PRESS LIMITED       OTHER                 29447
  HEINEKEN NV ADR                 SOLE                                            6500
  HEINZ H J                       SOLE                  13810
  HEINZ H J                       SOLE                                            8400
  HEINZ H J                       DEFINED               900
  HEINZ H J                       DEFINED                                         300
  HEINZ H J                       OTHER                 14915
  HEINZ H J                       OTHER                                           3350
  HELIX TECHNOLOGY                OTHER                 7800
  HELIX TECHNOLOGY                OTHER                                           7200
  HERCULES                        SOLE                  11328
  HERCULES                        OTHER                 1900
  HERSHEY FOODS                   SOLE                  9495
  HERSHEY FOODS                   SOLE                                            600
  HERSHEY FOODS                   DEFINED               600
  HERSHEY FOODS                   OTHER                 4000
  HEWLETT PACKARD                 SOLE                  241138
  HEWLETT PACKARD                 SOLE                                            24835
  HEWLETT PACKARD                 DEFINED               2035
  HEWLETT PACKARD                 DEFINED                                         300
  HEWLETT PACKARD                 OTHER                 45783
  HEWLETT PACKARD                 OTHER                                           5350
  HOME DEPOT                      SOLE                  459774
  HOME DEPOT                      SOLE                                            92038
  HOME DEPOT                      DEFINED               35364
  HOME DEPOT                      DEFINED                                         2775
  HOME DEPOT                      OTHER                 85307
  HOME DEPOT                      OTHER                              2250
  HOME DEPOT                      OTHER                                           8077
  HONEYWELL INTERNATIONAL         SOLE                  101083
  HONEYWELL INTERNATIONAL         SOLE                                            20737
  HONEYWELL INTERNATIONAL         DEFINED               1700
  HONEYWELL INTERNATIONAL         OTHER                 9333
  HOOPER HOLMES                   SOLE                  30000
  HOST MARRIOTT (REIT)            SOLE                  5600
  HOST MARRIOTT (REIT)            OTHER                 13709
  HOUSEHOLD INTERNATIONAL         SOLE                  84545
  HOUSEHOLD INTERNATIONAL         SOLE                                            797
  HOUSEHOLD INTERNATIONAL         OTHER                 5573
  IMS HEALTH                      SOLE                  47000
  IMS HEALTH                      SOLE                                            8000
  IMS HEALTH                      DEFINED               2400
  IMS HEALTH                      OTHER                 400
  IMS HEALTH                      OTHER                                           5360
  ILLINOIS TOOL WORKS             SOLE                  18587
  ILLINOIS TOOL WORKS             SOLE                                            700
  ILLINOIS TOOL WORKS             DEFINED               297
  ILLINOIS TOOL WORKS             OTHER                 8578
  ILLINOIS TOOL WORKS             OTHER                                           29285
  IMPERIAL OIL                    SOLE                  3000
  IMPERIAL OIL                    SOLE                                            6600
  IMPERIAL OIL                    OTHER                 5100
  INFORMIX                        SOLE                  11000
  INGERSOLL RAND                  SOLE                  64793
  INGERSOLL RAND                  SOLE                                            3200
  INGERSOLL RAND                  OTHER                 2100
  INTEL                           SOLE                  1194777
  INTEL                           SOLE                                            208940
  INTEL                           DEFINED               25438
  INTEL                           DEFINED                                         4300
  INTEL                           OTHER                 184958
  INTEL                           OTHER                              2400
  INTEL                           OTHER                                           70102
  INTL BUSINESS MACHINES          SOLE                  219513
  INTL BUSINESS MACHINES          SOLE                                            363581
  INTL BUSINESS MACHINES          DEFINED               2074
  INTL BUSINESS MACHINES          DEFINED                                         9360
  INTL BUSINESS MACHINES          OTHER                 46393
  INTL BUSINESS MACHINES          OTHER                              400
  INTL BUSINESS MACHINES          OTHER                                           42420
  INTERNATIONAL PAPER             SOLE                  5843
  INTERNATIONAL PAPER             OTHER                 3442
  INTERPUBLIC GROUP               SOLE                  2400
  INTERPUBLIC GROUP               SOLE                                            3600
  JDS UNIPHASE                    SOLE                  86749
  JDS UNIPHASE                    SOLE                                            4400
  JDS UNIPHASE                    OTHER                 2900
  JANUS                           SOLE                  13055
  JOHNSON & JOHNSON               SOLE                  500487
  JOHNSON & JOHNSON               SOLE                                            61900
  JOHNSON & JOHNSON               DEFINED               16789
  JOHNSON & JOHNSON               DEFINED                                         1900
  JOHNSON & JOHNSON               OTHER                 94217
  JOHNSON & JOHNSON               OTHER                              400
  JOHNSON & JOHNSON               OTHER                                           44472
  JUNIPER NETWORKS                SOLE                  3150
  KELLOGG                         SOLE                  2600
  KELLOGG                         OTHER                                           128000
  KEMPER MUN BD FD SH BEN INT     SOLE                  19284
  KEMPER GOVT SECS TR             SOLE                  10000
  KERR MC GEE                     SOLE                  867
  KERR MC GEE                     DEFINED               285
  KERR MC GEE                     OTHER                 1988
  KEYCORP                         SOLE                  5000
  KEYCORP                         OTHER                 3120
  KEYSPAN                         SOLE                  2192
  KEYSPAN                         SOLE                                            5756
  KEYSPAN                         DEFINED               1348
  KEYSPAN                         OTHER                 600
  KEYSPAN                         OTHER                                           528
  KIMBERLY CLARK                  SOLE                  210036
  KIMBERLY CLARK                  SOLE                                            16300
  KIMBERLY CLARK                  DEFINED               3056
  KIMBERLY CLARK                  OTHER                 11780
  KIMBERLY CLARK                  OTHER                                           400
  KIMCO REALTY                    SOLE                  1000
  KIMCO REALTY                    SOLE                                            6300
  KINDER MORGAN ENERGY PARTNERS   SOLE                  2500
  KINDER MORGAN ENERGY PARTNERS   SOLE                                            556
  KINDER MORGAN ENERGY PARTNERS   OTHER                 4500
  KOHL'S                          SOLE                  133300
  KOHL'S                          OTHER                 280
  KONINKLIJKE PHILLIPS ELECTRONICSSOLE                  46518
  KONINKLIJKE PHILLIPS ELECTRONICSOTHER                 3568
  KROGER                          SOLE                  35825
  KROGER                          OTHER                                           5000
  ESTEE LAUDER AUTO EXCH SEC TR IISOLE                  17000
  LEHMAN BROS                     SOLE                  2714
  LEHMAN BROS                     OTHER                 4175
  LEHMAN BROS                     OTHER                                           399
  LEVITZ FURNITURE                SOLE                  20000
  LIBERTY PPTY TR                 SOLE                  6900
  LIBERTY PPTY TR                 DEFINED                                         500
  LIBERTY PPTY TR                 OTHER                 9625
  LIGHTPATH TECHNOLOGIES          SOLE                                            6000
  LIGHTPATH TECHNOLOGIES          DEFINED               2500
  LIGHTPATH TECHNOLOGIES          DEFINED                                         1000
  LIGHTPATH TECHNOLOGIES          OTHER                 900
  LIGHTPATH TECHNOLOGIES          OTHER                                           1000
  LILLY ELI                       SOLE                  14247
  LILLY ELI                       SOLE                                            1150
  LILLY ELI                       OTHER                 7599
  LILLY ELI                       OTHER                                           2000
  LIMITED                         SOLE                  103000
  LIMITED                         SOLE                                            1000
  LIMITED                         OTHER                 5945
  LINCOLN NATL                    SOLE                  70750
  LINEAR TECHNOLOGY               DEFINED               5300
  LOCKHEED MARTIN                 SOLE                  5538
  LOCKHEED MARTIN                 SOLE                                            1000
  LUCENT TECHNOLOGIES             SOLE                  756147
  LUCENT TECHNOLOGIES             SOLE                                            122691
  LUCENT TECHNOLOGIES             DEFINED               26554
  LUCENT TECHNOLOGIES             DEFINED                                         5122
  LUCENT TECHNOLOGIES             OTHER                 120664
  LUCENT TECHNOLOGIES             OTHER                              1300
  LUCENT TECHNOLOGIES             OTHER                                           23242
  LYCOS INC                       SOLE                  3200
  LYCOS INC                       SOLE                                            300
  LYCOS INC                       OTHER                 400
  MBIA                            SOLE                  350
  MBIA                            SOLE                                            2000
  MBIA                            DEFINED               1400
  MBIA                            OTHER                 400
  MBNA                            SOLE                  30419
  MBNA                            SOLE                                            7739
  MBNA                            DEFINED               14722
  MBNA                            OTHER                 13273
  MBNA                            OTHER                                           2700
  MCI CAPITAL I                   SOLE                  6950
  MCI CAPITAL I                   SOLE                                            500
  MCI CAPITAL I                   DEFINED               500
  MCI CAPITAL I                   OTHER                 3700
  MGI PHARMA                      OTHER                 10000
  MARSH & MCLENNAN                SOLE                  49475
  MARSH & MCLENNAN                OTHER                 900
  MARSHALL & ILSELY               SOLE                  4000
  MARRIOTT INTERNATIONAL          SOLE                                            3400
  MARRIOTT INTERNATIONAL          OTHER                 14700
  MARRIOTT INTERNATIONAL          OTHER                                           600
  MASCO                           SOLE                  23745
  MASCO                           SOLE                                            2800
  MASCO                           OTHER                 10600
  MASCO                           OTHER                                           800
  MATTEL                          SOLE                  132876
  MATTEL                          SOLE                                            18100
  MATTEL                          OTHER                 850
  MAXIM INTEGRATED PRODS          SOLE                  2500
  MAXYGEN                         SOLE                  7000
  MAXYGEN                         OTHER                 33334
  MAY DEPT STORES                 SOLE                  25753
  MAY DEPT STORES                 OTHER                 12804
  MAY DEPT STORES                 OTHER                                           26022
  MCDONALDS                       SOLE                  50989
  MCDONALDS                       SOLE                                            17400
  MCDONALDS                       OTHER                 7060
  MCDONALDS                       OTHER                                           8800
  MCGRAW HILL                     SOLE                  60280
  MCGRAW HILL                     OTHER                 8500
  MCGRAW HILL                     OTHER                                           6400
  MEDAREX                         SOLE                  5000
  MEDIMMUNE                       SOLE                  4500
  MEDIMMUNE                       SOLE                                            1500
  MEDTRONIC                       SOLE                  4984
  MEDTRONIC                       SOLE                                            12900
  MEDTRONIC                       DEFINED               1000
  MEDTRONIC                       OTHER                 4400
  MELLON FINANCIAL                SOLE                  258117
  MELLON FINANCIAL                SOLE                                            14400
  MELLON FINANCIAL                DEFINED               5475
  MELLON FINANCIAL                DEFINED                                         200
  MELLON FINANCIAL                OTHER                 50400
  MELLON FINANCIAL                OTHER                                           1500
  MERCK                           SOLE                  823230
  MERCK                           SOLE                                            233225
  MERCK                           DEFINED               28440
  MERCK                           DEFINED                                         6426
  MERCK                           OTHER                 207243
  MERCK                           OTHER                              204480
  MERCK                           OTHER                                           91415
  MERRILL LYNCH                   SOLE                  11080
  MERRILL LYNCH                   SOLE                                            13800
  MERRILL LYNCH                   OTHER                 2800
  MERRILL LYNCH                   OTHER                              500
  MICHIGAN ST HIGHER ED STUDENT   SOLE                  900000
  MICROSOFT                       SOLE                  566985
  MICROSOFT                       SOLE                                            130019
  MICROSOFT                       DEFINED               18125
  MICROSOFT                       DEFINED                                         3350
  MICROSOFT                       OTHER                 99510
  MICROSOFT                       OTHER                              2310
  MICROSOFT                       OTHER                                           46752
  MICRON TECHNOLOGY               SOLE                  5700
  MINNESOTA MNG & MFG             SOLE                  120389
  MINNESOTA MNG & MFG             SOLE                                            17032
  MINNESOTA MNG & MFG             DEFINED               2300
  MINNESOTA MNG & MFG             OTHER                 16840
  MINNESOTA MNG & MFG             OTHER                                           4000
  MOLEX                           SOLE                  4289
  MOLEX                           DEFINED               2133
  MOLEX                           OTHER                 1152
  MONY GROUP                      SOLE                  112
  MONY GROUP                      SOLE                                            7000
  MORGAN J P                      SOLE                  107317
  MORGAN J P                      SOLE                                            15025
  MORGAN J P                      DEFINED               1150
  MORGAN J P                      DEFINED                                         200
  MORGAN J P                      OTHER                 14355
  MORGAN J P                      OTHER                                           5000
  MORGAN STANLEY                  SOLE                  292544
  MORGAN STANLEY                  SOLE                                            37380
  MORGAN STANLEY                  DEFINED               11846
  MORGAN STANLEY                  DEFINED                                         1300
  MORGAN STANLEY                  OTHER                 22178
  MORGAN STANLEY                  OTHER                                           860
  MOTOROLA                        SOLE                  489693
  MOTOROLA                        SOLE                                            47859
  MOTOROLA                        DEFINED               7800
  MOTOROLA                        OTHER                 46850
  MOTOROLA                        OTHER                              2400
  MOTOROLA                        OTHER                                           8600
  MUNIYIELD NJ FUND               SOLE                  5125
  MUNIYIELD NJ FUND               DEFINED               1126
  MUNIYIELD NJ FUND               OTHER                                           5150
  MURPHY OIL                      OTHER                 2769
  MURPHY OIL                      OTHER                                           1760
  NCR                             SOLE                  15682
  NCR                             SOLE                                            105
  NCR                             DEFINED               31
  NCR                             DEFINED                                         62
  NCR                             OTHER                 616
  NCR                             OTHER                                           183
  NASDAQ- 100 SHARES              SOLE                  4755
  NASDAQ- 100 SHARES              SOLE                                            15775
  NASDAQ- 100 SHARES              DEFINED                                         400
  NASDAQ- 100 SHARES              OTHER                 810
  NATIONAL FUEL GAS               SOLE                  4900
  NATIONAL FUEL GAS               SOLE                                            1200
  NATIONAL FUEL GAS               OTHER                 3880
  NATIONAL FUEL GAS               OTHER                                           1100
  NETWORK ASSOCIATES              SOLE                  10750
  NETWORK ASSOCIATES              OTHER                 300
  NESTLE S A                      SOLE                  15750
  NESTLE S A                      SOLE                                            800
  NESTLE S A                      OTHER                 1000
  NETWORK APPLIANCE               SOLE                  125700
  NETWORK APPLIANCE               OTHER                 50
  NEW JERSEY RESOURCES            SOLE                  6397
  NEW JERSEY RESOURCES            SOLE                                            100
  NEW JERSEY RESOURCES            OTHER                 500
  NEW SKY COMMUNICATIONS          SOLE                  185000
  NEW YORK REGL RAIL              SOLE                  34000
  NEWELL FINL TR I                SOLE                  35000
  NOKIA                           SOLE                  763139
  NOKIA                           SOLE                                            61160
  NOKIA                           DEFINED               19762
  NOKIA                           DEFINED                                         2100
  NOKIA                           OTHER                 75445
  NOKIA                           OTHER                              6400
  NOKIA                           OTHER                                           7910
  NORFOLK SOUTHERN                SOLE                  197790
  NORFOLK SOUTHERN                SOLE                                            9600
  NORFOLK SOUTHERN                OTHER                 3000
  NORFOLK SOUTHERN                OTHER                                           6480
  NORTEL NETWORKS NEW             SOLE                  114041
  NORTEL NETWORKS NEW             SOLE                                            9150
  NORTEL NETWORKS NEW             DEFINED               100
  NORTEL NETWORKS NEW             DEFINED                                         100
  NORTEL NETWORKS NEW             OTHER                 1750
  NORTEL NETWORKS NEW             OTHER                                           700
  NORTH AMERICAN TRAINING         SOLE                  39217
  NORTHERN TRUST                  SOLE                  321190
  NORTHERN TRUST                  SOLE                                            31580
  NORTHERN TRUST                  DEFINED               8774
  NORTHERN TRUST                  DEFINED                                         1000
  NORTHERN TRUST                  OTHER                 26657
  NORTHERN TRUST                  OTHER                              1200
  NORTHERN TRUST                  OTHER                                           2662
  OMNICOM GROUP                   SOLE                  4600
  OMNICOM GROUP                   DEFINED               100
  OMNICOM GROUP                   OTHER                                           2250
  ORACLE                          SOLE                  58534
  ORACLE                          SOLE                                            8000
  ORACLE                          DEFINED               500
  ORACLE                          OTHER                 9015
  ORACLE                          OTHER                                           550
  PECO ENERGY                     SOLE                  9734
  PECO ENERGY                     SOLE                                            950
  PECO ENERGY                     OTHER                 300
  PE                              SOLE                  1030
  PE                              OTHER                                           1200
  PNC FINANCIAL SERVICES GROUP    SOLE                  19361
  PNC FINANCIAL SERVICES GROUP    SOLE                                            1000
  PNC FINANCIAL SERVICES GROUP    DEFINED               1149
  PNC FINANCIAL SERVICES GROUP    OTHER                 3547
  PNC FINANCIAL SERVICES GROUP    OTHER                                           512
  PPG                             SOLE                  58047
  PPG                             SOLE                                            1800
  PPG                             DEFINED               450
  PPG                             OTHER                 6686
  PPG                             OTHER                                           1300
  PPL                             SOLE                  47963
  PPL                             SOLE                                            9770
  PPL                             OTHER                 10346
  PPL                             OTHER                              3040
  PPL                             OTHER                                           600
  PALM                            SOLE                  234613
  PALM                            SOLE                                            5593
  PALM                            DEFINED               296
  PALM                            OTHER                 9199
  PALM                            OTHER                              1700
  PALM                            OTHER                                           259
  PARDEE RESOURCES                SOLE                  11400
  PARKER HANNIFIN                 SOLE                  13499
  PAYCHEX                         SOLE                  2929
  PAYCHEX                         SOLE                                            17291
  PAYCHEX                         DEFINED               31863
  PAYCHEX                         OTHER                 11748
  PEAPACK GLADSTONE FINANCIAL     SOLE                                            1435
  PEAPACK GLADSTONE FINANCIAL     OTHER                 17251
  PENNEY J C                      SOLE                  36800
  PENNZOIL-QUAKER ST              SOLE                  1011
  PENNZOIL-QUAKER ST              OTHER                 6896
  PENNZOIL-QUAKER ST              OTHER                                           6560
  PEPSICO                         SOLE                  385173
  PEPSICO                         SOLE                                            58074
  PEPSICO                         DEFINED               5500
  PEPSICO                         OTHER                 100146
  PEPSICO                         OTHER                              1800
  PEPSICO                         OTHER                                           35640
  PERKINELMER                     DEFINED               4000
  PFIZER                          SOLE                  1609486
  PFIZER                          SOLE                                            150311
  PFIZER                          DEFINED               60205
  PFIZER                          DEFINED                                         4312
  PFIZER                          OTHER                 521336
  PFIZER                          OTHER                              1200
  PFIZER                          OTHER                                           97591
  PHARMACIA                       SOLE                  278545
  PHARMACIA                       SOLE                                            12646
  PHARMACIA                       DEFINED               10270
  PHARMACIA                       DEFINED                                         1214
  PHARMACIA                       OTHER                 18210
  PHARMACIA                       OTHER                                           7000
  PHILIP MORRIS                   SOLE                  71031
  PHILIP MORRIS                   SOLE                                            10800
  PHILIP MORRIS                   DEFINED               9670
  PHILIP MORRIS                   OTHER                 80776
  PHILIP MORRIS                   OTHER                                           21030
  PHILLIPS PETE                   SOLE                  4020
  PHILLIPS PETE                   OTHER                 1285
  PITNEY BOWES                    SOLE                  89625
  PITNEY BOWES                    SOLE                                            3800
  PITNEY BOWES                    OTHER                 5900
  PITNEY BOWES                    OTHER                                           300
  PRAXAIR                         SOLE                  14209
  PRAXAIR                         OTHER                 1226
  PREFORMED LINE PRODUCTS         SOLE                  36000
  PREMIER BANCORP                 SOLE                                            12978
  PROCTER & GAMBLE                SOLE                  182029
  PROCTER & GAMBLE                SOLE                                            40260
  PROCTER & GAMBLE                DEFINED               8582
  PROCTER & GAMBLE                OTHER                 58826
  PROCTER & GAMBLE                OTHER                              400
  PROCTER & GAMBLE                OTHER                                           31296
  PROGRESSIVE                     DEFINED               2160
  PROGRESSIVE                     OTHER                 480
  PROVIDIAN FINANCIAL             SOLE                  100
  PROVIDIAN FINANCIAL             OTHER                 1298
  PROVIDIAN FINANCIAL             OTHER                                           2500
  PUBLIC SERVICE ENTERPRISE       SOLE                  62190
  PUBLIC SERVICE ENTERPRISE       SOLE                                            4215
  PUBLIC SERVICE ENTERPRISE       DEFINED               3000
  PUBLIC SERVICE ENTERPRISE       DEFINED                                         500
  PUBLIC SERVICE ENTERPRISE       OTHER                 38371
  PUBLIC SERVICE ENTERPRISE       OTHER                                           10362
  QUAKER OATS                     SOLE                  2590
  QUAKER OATS                     SOLE                                            200
  QUAKER OATS                     DEFINED               1878
  QUAKER OATS                     OTHER                 1100
  QUALCOMM                        SOLE                  11210
  QUALCOMM                        SOLE                                            10000
  QUALCOMM                        DEFINED                                         200
  QUALCOMM                        OTHER                 1700
  QUESTAR                         OTHER                 13200
  QUESTAR                         OTHER                                           14000
  QWEST COMMUNICATIONS INTL       SOLE                  48950
  QWEST COMMUNICATIONS INTL       SOLE                                            17037
  QWEST COMMUNICATIONS INTL       DEFINED               3943
  QWEST COMMUNICATIONS INTL       OTHER                 38997
  QWEST COMMUNICATIONS INTL       OTHER                              2036
  QWEST COMMUNICATIONS INTL       OTHER                                           6058
  RALSTON PURINA GROUP            SOLE                  2295
  RALSTON PURINA GROUP            OTHER                 7305
  RATIONAL SOFTWARE CORP          SOLE                  2900
  RAYTHEON                        SOLE                  9355
  RAYTHEON                        SOLE                                            800
  RAYTHEON                        DEFINED               800
  RAYTHEON                        OTHER                 1000
  RAYTHEON                        OTHER                                           9000
  READERS DIGEST FIN TR           SOLE                  46000
  READERS DIGEST FIN TR           OTHER                 1000
  REDBACK NETWORKS                SOLE                  2100
  RELIANT ENERGY                  SOLE                  1700
  RELIANT ENERGY                  DEFINED               1000
  RELIANT ENERGY                  OTHER                 3000
  RELIANT ENERGY                  OTHER                                           1500
  RICHMOND CNTY FINL              SOLE                  8965
  RITE AID                        SOLE                  11500
  RITE AID                        OTHER                 2000
  ROBERT HALF INTL                SOLE                  9080
  ROCKWELL INTL                   SOLE                  5052
  ROCKWELL INTL                   DEFINED               1200
  ROCKWELL INTL                   OTHER                 1900
  ROCKWELL INTL                   OTHER                                           2500
  ROYAL DUTCH PETE                SOLE                  260751
  ROYAL DUTCH PETE                SOLE                                            15000
  ROYAL DUTCH PETE                DEFINED               3220
  ROYAL DUTCH PETE                OTHER                 49475
  ROYAL DUTCH PETE                OTHER                                           11500
  SBC COMMUNICATIONS              SOLE                  506401
  SBC COMMUNICATIONS              SOLE                                            64106
  SBC COMMUNICATIONS              DEFINED               13393
  SBC COMMUNICATIONS              DEFINED                                         3926
  SBC COMMUNICATIONS              OTHER                 155857
  SBC COMMUNICATIONS              OTHER                                           23277
  SDL                             SOLE                                            1300
  SEI                             SOLE                  6000
  S&P 500 DEPOSITARY RECEIPT      SOLE                  30880
  S&P 500 DEPOSITARY RECEIPT      SOLE                                            31245
  SAFEWAY                         SOLE                  6120
  SAFEWAY                         OTHER                 450
  ST PAUL                         SOLE                  5712
  ST PAUL                         SOLE                                            4576
  ST PAUL                         OTHER                 600
  SANMINA                         SOLE                  96050
  SARA LEE                        SOLE                  306513
  SARA LEE                        SOLE                                            21600
  SARA LEE                        OTHER                 16700
  SARA LEE                        OTHER                                           1400
  SASSOON INTL                    DEFINED                                         12500
  SCHERING PLOUGH                 SOLE                  361609
  SCHERING PLOUGH                 SOLE                                            194193
  SCHERING PLOUGH                 DEFINED               23891
  SCHERING PLOUGH                 DEFINED                                         2567
  SCHERING PLOUGH                 OTHER                 83454
  SCHERING PLOUGH                 OTHER                                           27344
  SCHLUMBERGER                    SOLE                  135540
  SCHLUMBERGER                    SOLE                                            24151
  SCHLUMBERGER                    DEFINED               500
  SCHLUMBERGER                    OTHER                 13176
  SCHLUMBERGER                    OTHER                                           1100
  SCHWAB CHARLES                  SOLE                  10150
  SCHWAB CHARLES                  OTHER                 3230
  SCIENTIFIC ATLANTA              SOLE                  5000
  SEAGRAMS                        SOLE                  200
  SEAGRAMS                        OTHER                 7300
  SEAGRAMS                        SOLE                  25000
  SEARS                           SOLE                  11813
  SEARS                           SOLE                                            100
  SEARS                           OTHER                 6489
  SEARS                           OTHER                                           900
  SELECTIVE INSURANCE             SOLE                                            16171
  SELECTIVE INSURANCE             OTHER                 5670
  SEMICONDUCTOR LASER INTL        SOLE                  10000
  SERVICE                         SOLE                  19000
  SHELL                           SOLE                  1900
  SHELL                           SOLE                                            2700
  SHELL                           DEFINED               2400
  SHELL                           DEFINED                                         1200
  SHELL                           OTHER                 248
  SHERWIN-WILLIAMS                SOLE                  3000
  SHERWIN-WILLIAMS                OTHER                 9600
  SIEBEL SYS                      SOLE                  61074
  SIMON PROPERTY GROUP            OTHER                 8570
  SMITH INTERNATIONAL             SOLE                  2500
  SMITHKLINE BEECHAM              SOLE                  264225
  SMITHKLINE BEECHAM              SOLE                                            9600
  SMITHKLINE BEECHAM              DEFINED               100
  SMITHKLINE BEECHAM              DEFINED                                         2640
  SMITHKLINE BEECHAM              OTHER                 20475
  SMITHKLINE BEECHAM              OTHER                                           100
  SOLECTRON                       SOLE                  6175
  SOLECTRON                       SOLE                                            20000
  SOLECTRON                       DEFINED               1500
  SOLECTRON                       OTHER                              1600
  SOLECTRON                       OTHER                                           600
  SOUTHERN                        SOLE                  29983
  SOUTHERN                        SOLE                                            10666
  SOUTHERN                        DEFINED               200
  SOUTHERN                        DEFINED                                         500
  SOUTHERN                        OTHER                 7366
  SOUTHERN                        OTHER                                           3750
  SOUTHWEST AIRLINES              SOLE                  5505
  SOUTHWEST AIRLINES              SOLE                                            3012
  SOVEREIGN BANCORP               SOLE                  8294
  SOVEREIGN BANCORP               SOLE                                            4200
  SOVEREIGN BANCORP               DEFINED               1200
  SOVEREIGN BANCORP               DEFINED                                         3000
  SOVEREIGN BANCORP               OTHER                 3652
  SPRINT                          SOLE                  48124
  SPRINT                          SOLE                                            6300
  SPRINT                          DEFINED               5077
  SPRINT                          DEFINED                                         350
  SPRINT                          OTHER                 4700
  STAPLES                         SOLE                  545678
  STAPLES                         SOLE                                            21850
  STAPLES                         DEFINED               31125
  STAPLES                         DEFINED                                         3615
  STAPLES                         OTHER                 21680
  STARBUCKS                       SOLE                  5090
  STARBUCKS                       DEFINED                                         200
  STARBUCKS                       OTHER                              1400
  STATE STR                       SOLE                  1600
  STATE STR                       SOLE                                            5500
  SUIZA FOODS                     SOLE                  5000
  SUMMIT BANCORP                  SOLE                  979279
  SUMMIT BANCORP                  SOLE                                            92570
  SUMMIT BANCORP                  DEFINED               175097
  SUMMIT BANCORP                  DEFINED                                         8653
  SUMMIT BANCORP                  OTHER                 622076
  SUMMIT BANCORP                  OTHER                              3157
  SUMMIT BANCORP                  OTHER                                           99276
  SUN MICROSYSTEMS                SOLE                  138826
  SUN MICROSYSTEMS                SOLE                                            9500
  SUN MICROSYSTEMS                DEFINED               3190
  SUN MICROSYSTEMS                DEFINED                                         800
  SUN MICROSYSTEMS                OTHER                 12973
  SUN MICROSYSTEMS                OTHER                                           1300
  SUNOCO                          SOLE                  8564
  SUNOCO                          SOLE                                            782
  SUNOCO                          DEFINED               774
  SUNOCO                          OTHER                 424
  SYMANTEC                        SOLE                  17500
  SYMYX TECHNOLOGIES              SOLE                  6962
  SYMYX TECHNOLOGIES              OTHER                 30888
  SYQUEST TECHNOLOGY              SOLE                  10875
  SYSCO                           SOLE                  35913
  SYSCO                           SOLE                                            6000
  SYSCO                           DEFINED               3950
  SYSCO                           OTHER                 8368
  SYSCO                           OTHER                                           19800
  TECO ENERGY                     OTHER                 10200
  TECO ENERGY                     OTHER                                           900
  TRW                             SOLE                  3960
  TRW                             SOLE                                            1800
  TXU                             SOLE                  7232
  TXU                             SOLE                                            300
  TXU                             DEFINED                                         1000
  TXU                             OTHER                 11330
  TXU                             OTHER                                           9650
  TARGET                          SOLE                  300080
  TARGET                          SOLE                                            38640
  TARGET                          DEFINED               3840
  TARGET                          OTHER                 41000
  TARGET                          OTHER                                           8800
  TEKTRONIX                       SOLE                  3250
  TEKTRONIX                       OTHER                 1125
  TELLABS                         SOLE                  11045
  TELLABS                         SOLE                                            600
  TELLABS                         OTHER                 300
  A T & T SH                      OTHER                 1400
  TEXACO                          SOLE                  39718
  TEXACO                          SOLE                                            19357
  TEXACO                          DEFINED               3484
  TEXACO                          DEFINED                                         1000
  TEXACO                          OTHER                 9994
  TEXACO                          OTHER                                           6450
  TEXAS INSTRUMENTS               SOLE                  504014
  TEXAS INSTRUMENTS               SOLE                                            77145
  TEXAS INSTRUMENTS               DEFINED               12315
  TEXAS INSTRUMENTS               DEFINED                                         1500
  TEXAS INSTRUMENTS               OTHER                 17260
  TEXAS INSTRUMENTS               OTHER                                           7920
  TEXTRON                         SOLE                  199539
  TEXTRON                         SOLE                                            15525
  TEXTRON                         DEFINED               200
  TEXTRON                         DEFINED                                         1200
  TEXTRON                         OTHER                 9120
  TEXTRON                         OTHER                                           200
  THOMAS & BETTS                  SOLE                  62470
  THOMAS & BETTS                  OTHER                 113108
  3 COM                           SOLE                  155760
  3 COM                           SOLE                                            1700
  3 COM                           DEFINED               200
  3 COM                           OTHER                 6200
  3 COM                           OTHER                                           175
  TIFFANY                         SOLE                  6000
  TIFFANY                         SOLE                                            800
  TIME WARNER                     SOLE                  192821
  TIME WARNER                     SOLE                                            18320
  TIME WARNER                     DEFINED               600
  TIME WARNER                     OTHER                 13550
  TIME WARNER                     OTHER                                           700
  TOSCO                           SOLE                  17500
  TRICON GLOBAL RESTAURANTS       SOLE                  7980
  TRICON GLOBAL RESTAURANTS       SOLE                                            602
  TRICON GLOBAL RESTAURANTS       OTHER                 3657
  TRICON GLOBAL RESTAURANTS       OTHER                                           674
  TRIBUNE                         SOLE                  294
  TRIBUNE                         SOLE                                            3911
  TRIBUNE                         DEFINED               9600
  21ST CENTURY TECHNOLOGIES       SOLE                  200000
  TYCO INTL                       SOLE                  631250
  TYCO INTL                       SOLE                                            82278
  TYCO INTL                       DEFINED               31278
  TYCO INTL                       DEFINED                                         4050
  TYCO INTL                       OTHER                 39491
  TYCO INTL                       OTHER                                           10328
  USX                             SOLE                  186663
  USX                             SOLE                                            1600
  UNCOMMON VALUES UNIT TR 1985    SOLE                  48752
  UNILEVER N V NEW YORK SHS       SOLE                  129796
  UNILEVER N V NEW YORK SHS       SOLE                                            3575
  UNILEVER N V NEW YORK SHS       OTHER                 8567
  UNILEVER N V NEW YORK SHS       OTHER                                           200
  UNION PACIFIC                   SOLE                  184819
  UNION PACIFIC                   SOLE                                            2100
  UNION PACIFIC                   DEFINED               1200
  UNION PACIFIC                   OTHER                 15220
  UNION PACIFIC                   OTHER                                           600
  UNITED DOMINION REALTY TRUST    SOLE                  600
  UNITED DOMINION REALTY TRUST    OTHER                 19400
  UNITED NATL BANCORP N J         DEFINED               10000
  UNITED PARCEL SVC               SOLE                  5180
  UNITED PARCEL SVC               SOLE                                            200
  UNITED PARCEL SVC               DEFINED                                         100
  UNITED PARCEL SVC               OTHER                 101
  UNITED RETAIL GROUP             SOLE                  28000
  UNITED TECHNOLOGIES             SOLE                  307121
  UNITED TECHNOLOGIES             SOLE                                            27400
  UNITED TECHNOLOGIES             DEFINED               300
  UNITED TECHNOLOGIES             DEFINED                                         200
  UNITED TECHNOLOGIES             OTHER                 25090
  UNITED TECHNOLOGIES             OTHER                                           400
  UNIVISION COMMUNICATIONS INC    SOLE                  5000
  UNIVISION COMMUNICATIONS INC    OTHER                 1000
  UNUMPROVIDENT                   SOLE                  6480
  UNUMPROVIDENT                   SOLE                                            600
  UNUMPROVIDENT                   DEFINED               9300
  UNUMPROVIDENT                   OTHER                 6500
  UNUMPROVIDENT                   OTHER                                           500
  VALERO ENERGY                   SOLE                  47500
  VALLEY NATL BANCORP             SOLE                  1236
  VALLEY NATL BANCORP             DEFINED               243
  VALLEY NATL BANCORP             OTHER                 9151
  VANGUARD FIXED SECS FD          SOLE                  3086
  VANGUARD FIXED SECS FD          SOLE                                            7293
  VANGUARD FIXED SECS FD          SOLE                  259535
  VANGUARD FIXED SECS FD          SOLE                                            60591
  VANGUARD FIXED SECS FD          DEFINED               19305
  VANGUARD FIXED SECS FD          DEFINED                                         6344
  VANGUARD FIXED SECS FD          OTHER                 10677
  VARIAN                          SOLE                  7550
  VARIAN                          SOLE                                            2500
  VARIAN SEMICONDUCTOR            SOLE                  2500
  VARIAN SEMICONDUCTOR            SOLE                                            3200
  VARIAN SEMICONDUCTOR            OTHER                 500
  VARIAN MEDICAL SYSTEMS          SOLE                  4300
  VARIAN MEDICAL SYSTEMS          SOLE                                            3200
  VARIAN MEDICAL SYSTEMS          DEFINED               500
  VARIAN MEDICAL SYSTEMS          OTHER                 500
  VERITAS SOFTWARE                SOLE                  60850
  VERIZON COMMUNICATIONS          SOLE                  420835
  VERIZON COMMUNICATIONS          SOLE                                            86824
  VERIZON COMMUNICATIONS          DEFINED               17853
  VERIZON COMMUNICATIONS          DEFINED                                         2174
  VERIZON COMMUNICATIONS          OTHER                 199683
  VERIZON COMMUNICATIONS          OTHER                                           22628
  VIACOM                          SOLE                  31073
  VIACOM                          SOLE                                            4308
  VIACOM                          OTHER                 1009
  VIAD                            SOLE                  486
  VIAD                            OTHER                 1400
  VIAD                            OTHER                                           6000
  VISHAY INTERTECHNOLOGY          SOLE                  8000
  VODAFONE GROUP                  SOLE                  93811
  VODAFONE GROUP                  SOLE                                            21344
  VODAFONE GROUP                  DEFINED               3215
  VODAFONE GROUP                  OTHER                 17805
  VODAFONE GROUP                  OTHER                                           4500
  WACHOVIA                        SOLE                  2870
  WACHOVIA                        OTHER                 3930
  WAL MART                        SOLE                  115892
  WAL MART                        SOLE                                            92100
  WAL MART                        DEFINED               550
  WAL MART                        OTHER                 57640
  WAL MART                        OTHER                              1000
  WAL MART                        OTHER                                           44650
  WALGREEN                        SOLE                  13500
  WALGREEN                        SOLE                                            2432
  WALGREEN                        DEFINED               800
  WATERS                          SOLE                  1900
  WATERS                          SOLE                                            7000
  WEBMD                           SOLE                  11000
  WEBMD                           DEFINED                                         8
  WEINGARTEN REALTY SBI           SOLE                                            4000
  WEINGARTEN REALTY SBI           OTHER                 750
  WEINGARTEN REALTY SBI           OTHER                                           1250
  WELLS FARGO NEW                 SOLE                  221585
  WELLS FARGO NEW                 SOLE                                            22000
  WELLS FARGO NEW                 DEFINED               400
  WELLS FARGO NEW                 OTHER                 3300
  WELLS FARGO NEW                 OTHER                                           2100
  WESTBURY METALS GROUP           SOLE                  26660
  WESTBURY METALS GROUP           OTHER                 40000
  WILLIAMS COS                    SOLE                  116440
  WILLIAMS COS                    OTHER                 400
  WILMINGTON TRUST                SOLE                  8600
  WILMINGTON TRUST                DEFINED               4800
  WISCONSIN ENERGY                SOLE                  2676
  WISCONSIN ENERGY                SOLE                                            3300
  WISCONSIN ENERGY                OTHER                 5550
  WISCONSIN ENERGY                OTHER                                           500
  WORLDCOM                        SOLE                  461001
  WORLDCOM                        SOLE                                            61495
  WORLDCOM                        DEFINED               19968
  WORLDCOM                        DEFINED                                         1450
  WORLDCOM                        OTHER                 62272
  WORLDCOM                        OTHER                              3000
  WORLDCOM                        OTHER                                           3336
  WRIGLEY WM JR                   SOLE                  1757
  WRIGLEY WM JR                   OTHER                 10800
  XILINX                          SOLE                  216800
  XILINX                          SOLE                                            17800
  XILINX                          OTHER                 200
  XEROX                           SOLE                  37096
  XEROX                           SOLE                                            19800
  XEROX                           OTHER                 10178
  XEROX                           OTHER                                           1500
  YAHOO                           SOLE                  56500
  YAHOO                           SOLE                                            5700
  YAHOO                           OTHER                 8100
  BLUE RIBBON LABEL               OTHER                 37
  ENDICOTT MACHINE & TOOL         SOLE                                            274699
  MURRAY HILL RACQUET CLUB        SOLE                  326
  EBAGS                           DEFINED               12500
  GLOBAL CROSSING LTD             SOLE                  24835
  GLOBAL CROSSING LTD             SOLE                                            600
  GLOBAL CROSSING LTD             DEFINED               300
  GLOBAL CROSSING LTD             DEFINED                                         500
  GLOBAL CROSSING LTD             OTHER                 4600
  GLOBAL CROSSING LTD             OTHER                                           1000
  TRANSOCEAN SEDCO FOREX          SOLE                  4047
  TRANSOCEAN SEDCO FOREX          SOLE                                            918
  TRANSOCEAN SEDCO FOREX          DEFINED               96
  TRANSOCEAN SEDCO FOREX          OTHER                 1695
  TRANSOCEAN SEDCO FOREX          OTHER                                           174
  SHONK LAND CO LTD PARTNERSHIP   SOLE                  166
  UNIVERSAL REALTY CO INC         OTHER                 94640
  KANAVY COMPUTER CORP CONV PFD   SOLE                                            10000
</TABLE>


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